非银行机构网络支付的风险及民法救济

发布时间：2018-03-21 08:40

本文选题：非银行机构网络支付　切入点：支付风险　出处：《吉林大学》2016年硕士论文　论文类型：学位论文

【摘要】：Internet(即互联网)自20世纪出现以来,到现在,在我们的生活中无处不在。网络完成了由信息交流的工具到人类生存模式的演变。互联网的影响已经超过在它出现之前的任何一种信息传递的方式,现实生活中的个体通过虚拟的网络交互往来,虚拟空间的活动又对现实世界的个体产生确确实实的影响。网络世界作为人类个体活动的拓展,作为现实世界的延伸,它在带给我们生活的方便、快捷、快乐的同时,也带来了更多纷繁复杂的社会关系和法律问题。非银行机构网络支付模式的出现,改变了传统的面对面、现金对现金的交易模式。在我们为社会科技欢欣鼓舞的同时,不得不面对的是这种交易模式同时也给我们带来了风险。本文通过五个方面的论述来寻求规避非银行机构网络支付的这种风险。第一部分:非银行机构网络支付的概述。包括1、非银行机构网络支付的产生及发展。2、非银行机构网络支付概念和特征。第二部分:非银行机构网络支付平台的民事法律关系分析。包括1、非银行机构网络支付民事法律关系概述。2、非银行机构网络支付法律关系解析。第三部分:非银行机构网络支付的风险。包括:(一)格式合同的风险。(二)沉淀资金的风险。(三)消费者权益保护的风险。第四部分:非银行机构网络支付的民法救济。包括:(一)非银行机构网络支付中格式合同风险的救济(二)非银行机构网络支付中沉淀资金的民法救济(三)非银行机构网络支付中消费者权益保护的民法救济。通过对非银行机构网络支付发展的情况、非银行机构网络支付主体法律关系等的分析,并借鉴中外各国对非银行机构网络支付风险的管控经验,来寻求和探讨从民法角度对非银行机构网络支付风险在我国如何救济。
[Abstract]:Internet, or Internet, has been around since 20th century. Everywhere in our lives. The Internet has completed the evolution from the tool of information exchange to the mode of human existence. The impact of the Internet has outweighed any way of transmitting information before it emerged. Individuals in real life interact with each other through virtual networks, and the activities of virtual space have a real impact on the individuals of the real world. As an extension of human individual activities, the network world is an extension of the real world. It not only brings us the convenience, speed and happiness of life, but also brings more complicated social relations and legal problems. The appearance of network payment mode of non-bank organizations has changed the traditional face to face. The cash-to-cash trading model. While we rejoice in social science and technology, This paper tries to avoid the risk of non-bank institution network payment through five aspects. Part one: Non-bank institution network payment. Including 1, the generation and development of non-banking institution network payment, the concept and characteristics of non-bank institution network payment. Part 2: civil legal relationship analysis of non-bank institution network payment platform. Including 1, non-bank network payment platform. Summary of civil legal relationship of institutional network payment. Analysis of legal relationship of non-bank institution network payment. Part 3: risk of non-bank institution network payment. Including risk of contract in the form of: (1). (2) wind of settling funds. Risk. (III) risks of consumer protection. Part 4th: civil law relief for non-bank institutional network payments. Includes:: (I) relief of contractual risks in non-bank institutional network payments (II) Non-bank institutional network payments. Civil Law Relief for settling funds in payment (3) Civil Law Relief for the Protection of consumers' Rights and interests in Network payment of Non-Bank institutions. Based on the analysis of the legal relationship between the network payment subjects of non-banking institutions and the experiences of various countries in China and foreign countries in controlling the risk of network payment of non-banking institutions, this paper explores how to remedy the risk of network payment of non-bank institutions in China from the angle of civil law.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.28

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