论第三方支付中的消费者权益保护

发布时间：2018-01-16 20:32

本文关键词：论第三方支付中的消费者权益保护　出处：《西南政法大学》2015年硕士论文　论文类型：学位论文

【摘要】：随着网络交易为代表的电子商务的发展,第三方支付逐渐进入我们的视野。第三方支付原本是为解决网络交易中销售者和消费者互不见面甚至可能互不相识而产生的信用问题的工具。但当第三方支付伴随着网络交易而迅猛发展,现行的法律法规制度远远跟不上第三方支付发展的水平,过快的扩张速度带来了多种问题,而消费者的权益保护则是其中值得重点关注的问题。传统交易模式下相对于经营者处于弱势地位的消费者,面对加入交易的第三方支付构成的更复杂的法律关系,其权益保护面临更大的考验,尤其是现在的第三方支付平台的代表支付宝、财付通、银联商务等,其体量甚至比大部分经营者更大,在它们面前消费者的弱势地位更加明显。而现有法律体系在包括消费者资金安全、信息披露、收益归属、个人信息保护等诸多方面缺乏对消费者的适当保护。本文分为六个部分,通过对第三方支付与消费者基础关系的分析,进而深入探讨现有消费者保护法律体系中存在的问题,并对上述问题提出有针对性的建议。第一部分为引言,通过两个案例和简要评析引出本文讨论的问题。第二部分为第三方支付的一般理论。首先介绍第三方支付目前理论和实务界对它的定义和研究程度,其次介绍第三方支付的参与主体和大致流程,进而深入分析第三方支付中的法律关系,为后文论述打下基础。第三部分为第三方支付中消费者权益保护的意义,通过对现行法律法规的规定及立法意旨的研究,讨论第三方支付中消费者保护的意义。第四部分为我国第三方支付中消费者权益保护存在的问题,为论文的重点部分,本文选取了具有代表性的八个方面的问题,包括:第三方支付的牌照转让、退出市场规定不完善影响消费者财产和信息安全,备付金利益归属制度缺乏、支付差错规定不完善且责任划分模糊、抗辩制度不完善、支付信息披露制度不完善、消费者个人信息缺乏保护制度、对消费者权利存在不合理限制、消费者权利救济途径不完善等,大致涵盖了第三方支付中消费者权益受损的主要类型,并对这些问题进行了分析。第五部分为我国第三方支付中消费者权益保护的完善,为论文的重点部分,针对第四部分中提出的问题进行研究并提出建议:完善第三方支付的牌照转让、退出市场的完善相关制度以确保消费者财产和信息安全;设立公益基金等方式平衡消费者和第三方支付机构间的备付金利益;完善相关制度尤其是责任分配制度解决支付差错及随之产生的责任划分问题;明确原则上对于第三方支付不应适用延伸抗辩;完善第三方支付相关服务信息的披露制度;全面完善民事、行政、刑事责任全面加强消费者个人信息的保护;完善相关制度排除对消费者权利的不合理限制;从管辖权和举证责任两方面入手完善消费者权益救济。第六部分为结语,承上文论述,总结全文内容,再次阐述本文意旨。
[Abstract]:With the development of electronic commerce network transactions as the representative of the third party payment into our vision. The third party payment was to solve the credit problem in the network transaction sellers and consumers do not meet or even do not know each other and produce tools. But when the third party payment transactions with the network and the rapid development of the current the legal system lags far behind the development of the third party payment level, the speed of rapid expansion has brought many problems, and the protection of consumer rights is one of the issues that should be focused. The traditional trading mode for operators to consumers in a weak position, facing the more complex legal relationship with third party payment transactions the protection of the rights and interests of the face a greater challenge, especially now that the third party payment on behalf of the Alipay platform, caifutong, union commerce, the body of To more than the majority of operators, more obvious in front of them. The weak position of consumers and consumers in the existing legal system including financial security, information disclosure, the income attributable to the lack of proper protection to consumers, many aspects of the protection of personal information. This paper is divided into six parts, through the analysis of the relationship between the third party payment and consumer based then, in-depth study of the existing consumer protection law system, and the problems put forward some suggestions. The first part is the introduction, through the two case and briefly comments out of discussion in this paper. The second part is the general theory of third party payment. Firstly, the third party payment of current theory and practice the definition and research level, followed by the introduction of the third party payment participants and the general process, then analyzes the legal relationship of the third party payment, Lay the foundation for later discussion. The third part is the third party payment consumers' rights protection in significance, through the study of the provisions of the existing laws and regulations and legislative intention, to discuss the significance of the third party payment in consumer protection. The fourth part is the third party payment in our country consumer rights and interests protection in the existing problems, the key part of the paper in this paper, eight aspects, including: the third party payment of the transfer of a licence, out of the market regulation is not perfect effect of consumers' property and information security deposit interest payment system lacks, the provision is not perfect and the error responsibility fuzzy, defense system is not perfect, the payment information disclosure system perfect protection system of personal information of consumers lack of consumer rights, unreasonable restrictions, consumer rights relief is not perfect, roughly covers the third party payment The main types of damage to the interests of consumers, and these problems are analyzed. The fifth part is to improve our country third party payment of consumer rights and interests protection, is the key part in the fourth part, put forward to study the problem and put forward suggestions: perfecting the third party payment license transfer, withdraw from the market to perfect the related system in order to ensure consumers' property and information security; the establishment of public funds and other ways of balancing customer and third party payment institutions between deposit interest; improve the relevant system especially the division of responsibilities responsibility distribution system to resolve payment errors and the resulting; clear principle for the third party payment shall not apply to extend the defense; improve the third party payment service information disclosure system; comprehensive civil, administrative and criminal responsibility to strengthen the protection of personal information of consumers; perfecting the relevant system arrangement In addition to the unreasonable restrictions on consumers' rights, we should improve the relief of consumers' rights and interests from the two aspects of jurisdiction and burden of proof. The sixth part is the conclusion, taking the above discussion, summarizing the contents of the full text, and expound the intention of this article again.

【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28;D923.8

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