第三方电子支付平台法律问题研究

发布时间：2018-03-14 16:21

本文选题：第三方支付平台　切入点：法律问题　出处：《新疆大学》2017年硕士论文　论文类型：学位论文

【摘要】：最近几年,我国的第三方电子支付行业发展很快。与传统交易相比,网上购物带有很强虚拟性,买卖双方都对交易的安全有顾虑,电子支付平台的出现刚好能解决这一问题。支付平台作为独立的第三方支付中介,在买卖双方间架起诚信的桥梁,有利于化解支付过程中的安全问题,对于网路购物的健康发展至关重。与英美国家相比,我国电子支付行业起步晚,相关法律制度还不成熟,发展过程中存在许多法律问题,解决好第三方支付中存在的法律问题,对整个第三方支付行业的健康发展都很重要。本文沿着“提出问题-分析问题-解决问题”的思路,全文主要分为三大部分。第一部分从第三方支付平台的概念入手,先分析了支付平台的特征和支付过程中存在的法律关系,理清其中的法律关系对于明确主体的责任至关重要。第一部分为后文的写作做铺垫,第二部分和第三部分是本文的写作重点。在第二部分中,笔者结合国内的立法现状,引用司法实践中的案例,然后指出立法上需要完善的内容和实践中存在需要解决的问题,第三方支付中存在的问题很多,本文主要针对主要包括客户备付金以及孳息归属不明确、电子支付主体间民事法律责任划分问题、消费者权益保护机制的不健全以及监管制度不完善等问题;第三部分针对第二部分的问题提出相关解决的法律建议。本文建议在立法上明确客户备付金及其孳息的所有权和使用权,明确相关主体的民事责任尤其是第三方支付平台的责任、加强消费者个人信息保护,而且,针对第三方支付中的客户备付金和反洗钱监管不完善的问题,笔者在借鉴国外的立法规定基础上,提出了完善我国支付平台的监管建议。
[Abstract]:In recent years, the third-party electronic payment industry in China has developed rapidly. Compared with traditional transactions, online shopping is highly fictitious, and both buyers and sellers have concerns about the security of transactions. The emergence of the electronic payment platform can solve this problem. As an independent third-party payment intermediary, the payment platform builds a bridge of integrity between the buyer and the seller, which is conducive to resolving the security problems in the payment process. The healthy development of online shopping is very important. Compared with the British and American countries, the electronic payment industry in our country starts late, the relevant legal system is not mature, there are many legal problems in the development process, and the legal problems existing in the third-party payment can be solved well. It is very important for the healthy development of the third party payment industry. This paper is divided into three parts according to the idea of "posing problem-analyzing problem-solving problem". The first part starts with the concept of third-party payment platform. First of all, it analyzes the characteristics of payment platform and the legal relationship in the payment process, and clarifies the legal relationship among them is very important to clarify the responsibility of the subject. The first part paves the way for the later writing. The second part and the third part are the focal points of this paper. In the second part, the author refers to the cases in judicial practice, and then points out the content that needs to be perfected in legislation and the problems that need to be solved in practice. There are many problems in third-party payment. This paper mainly focuses on the division of civil liability between electronic payment subjects, including customer reserve and unclear ownership of fruits. The imperfect mechanism of consumer rights protection and the imperfect supervision system; In the third part, the author puts forward some legal suggestions to solve the problems in the second part. This paper suggests that the ownership and right of use of customer reserve and its fruits should be clearly defined in legislation. To clarify the civil liability of relevant subjects, especially the liability of third-party payment platforms, to strengthen the protection of consumer personal information, and to address the problem of imperfect supervision of customer provisions and anti-money laundering in third-party payments, On the basis of drawing lessons from foreign legislation, the author puts forward some suggestions to improve payment platform in China.
【学位授予单位】：新疆大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.28;D922.294

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