我国第三方支付平台基本法律问题研究

发布时间：2018-03-07 21:22

本文选题：第三方支付　切入点：沉淀资金　出处：《深圳大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着我国电子商务业务的蓬勃发展,交易双方之间出现了一种全新的支付模式,即第三方支付。第三方支付平台以其快速、优惠的特点迅速渗入到人们的日常生活中,不仅影响了人民的生活方式和节奏,还影响了用户通过信息化渠道形成的消费习惯。本文尝试对其法律风险进行深入探讨和完善。本文主要包括绪言和四个章节:绪言是对文章背景的说明,并提出本文的探讨路径和中心思想。第一章阐述了第三方支付平台的概念及分类,进一步结合学者观点,确立其准金融机构的法律地位,并分析其中存在的法律关系。在提供支付服务过程中,平台与银行的金融服务合同关系和监督关系,在不同支付模式中,平台与用户之间的委托关系、保管关系等。第二章针对支付服务过程中面临的法律风险和困境进行探讨。首先,笔者结合学者观点,论述了沉淀资金及孳息的归属于客户的观点,同时结合学者观点对央行"统一存管、不计利息"的做法进行评述,提出使用和分配困境。其次,笔者尝试通过典型案例对支付过程中出现的信息泄露、资金被盗用、资金冻结、消费者的救济困境等问题进行论述,分析各方责任。最后,笔者论述了第三方支付中运营中的技术和操作风险、现有监管对非法交易、支付衍生业务、业务终止中存在的问题,有待完善。第三章是研究域外相关立法,对其的法律定位、市场准入标准、沉淀资金监管、信息和资金安全措施、各方的权利义务等规定进行比较分析,进行为完善相关问题提供解决思路。第四章是立足我国现状,综合考虑行业前景,结合国外的立法规定,尝试就防范第三方支付平台存在的法律风险提出可行的建议。第一、应明确沉淀资金及其孳息的归属,并合理使用孳息,完善沉淀资金保障机制,建立风险准备基金;第二、应优化用户信息安全保障机制,保障用户资金安全,明确信息采取"最小化"原则,落实信息存管标准,建立利益相关人的查询机制,明确相关权利义务,完善救济途径;第三、应加强监测,明确其范围和标准、规范信息披露和共享,完善准入和退出机制,形成系统监管。
[Abstract]:With the rapid development of e-commerce business in China, a new payment mode has emerged between the two sides of the transaction, that is, third-party payment. With its rapid and preferential characteristics, the third-party payment platform has rapidly infiltrated into people's daily life. Not only affected the way of life and rhythm of the people, This paper attempts to explore and perfect the legal risks of the consumers. This paper mainly includes the introduction and four chapters: the introduction is the explanation of the background of the article. In the first chapter, the concept and classification of third-party payment platform are expounded, and the legal status of its quasi-financial institution is further established by combining the views of scholars. In the process of providing payment service, the relationship between the financial service contract and supervision between the platform and the bank, and the entrustment relationship between the platform and the user in different payment modes, are analyzed. The second chapter discusses the legal risks and difficulties in the process of payment service. Firstly, the author discusses the view that the precipitated funds and fruits belong to the customers. At the same time, combined with the scholars' viewpoint, the author comments on the central bank's practice of "unified deposit and management without interest", and puts forward the difficulties of using and distributing. Secondly, the author tries to leak the information in the payment process through typical cases, and the funds are embezzled. Finally, the author discusses the technical and operational risks in the operation of third party payment, the existing supervision on illegal transactions, payment derivative business, etc. The third chapter is to study the extraterritorial legislation, its legal positioning, market access standards, settlement of funds supervision, information and fund security measures, The rights and obligations of all parties are compared and analyzed to provide solutions for improving the relevant problems. Chapter 4th is based on the current situation of our country, considering the prospects of the industry comprehensively, and combining with the foreign legislative provisions. This paper tries to put forward some feasible suggestions to prevent the legal risks existing in the third-party payment platform. First, the ownership of the precipitated funds and their fruits should be made clear, and the fruits should be used rationally, the mechanism of ensuring the precipitation funds should be improved, and the risk reserve fund should be established. We should optimize the security mechanism of users' information, guarantee the safety of users' funds, make sure that information adopts the principle of "minimization", implement the standard of information management, establish the inquiry mechanism of stakeholders, clarify the relevant rights and obligations, and perfect the way of relief. Third, we should strengthen monitoring, clarify its scope and standards, standardize information disclosure and sharing, perfect access and exit mechanism, and form systematic supervision.
【学位授予单位】：深圳大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.28

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