第三方支付沉淀资金的法律问题研究

发布时间：2018-03-26 18:04

本文选题：第三方支付平台　切入点：沉淀资金　出处：《辽宁大学》2017年硕士论文

【摘要】：目前,智能手机、电脑已经普及化,人们对网络交易从陌生变得熟悉甚至是依赖。2016年的“双十一”仅这一天的交易额竟然达到惊人的1, 207亿元人民币。由此可见,互联网交易已经融入了人们的生活当中,相对于传统的交易模式,互联网交易并不是现实的面对面交易,也不是在同一区域进行交易,所以这种互联网交易所面临的风险大,需要介入第三方保障交易的质量和顺利完成,第三方支付平台随之而产生。第三方支付平台作为新兴事物,其在互联网交易中起到的作用举足轻重,其运营的规模、运营方式也逐渐完善,但是第三方支付平台仍有许多问题没有解决。比如,目前我国关于第三方支付沉淀资金的性质及所有权的界定;其产生利息的所有权及分配问题;我国对第三方支付沉淀资金的监管漏洞问题等等。这就是本文研究第三方支付沉淀资金的价值所在,因为有关第三方支付沉淀资金的问题目前仍处于探索期,法律对这些问题规定的模棱两可甚至不涉及。本文主要结合目前我国针对第三方支付沉淀资金的相关立法,作为本文的研究基础,然后以有关第三方支付沉淀资金管理中出现的问题为研究的重点。笔者主要通过实证分析和文献研究的方法对本文进行全面的分析。本文分三个部分对问题进行分析:第一部分是第三方支付沉淀资金的概述。这部分主要是研究概念性问题,比如,第三方支付平台的性质;明确在第三方支付过程中涉及主体之间的法律关系;第三方支付沉淀资金产生的原因、概念和性质等等。第二部分是目前我国针对第三方支付沉淀资金的立法状况以及在对其管理中存在的问题。这部分内容是本文重点分析的,这部分主要以我国目前针对第三方支付沉淀资金的立法为研究基点,结合目前第三方支付平台在国内发展的状况,着重分析沉淀资金的所有权归属问题;沉淀资金利息的所有权归属及分配问题;第三方支付平台是否可以在特定的范围内合理的使用沉淀资金问题;如何有效地对第三方支付沉淀资金进行监管问题等。第三部分是解决我国第三方支付沉淀资金管理中存在的问题的法律建议。这部分主要针对目前第三方支付沉淀资金管理存在的问题提出的具体法律建议,如明确沉淀资金的所有权归属于用户;沉淀资金的利息也归属于用户但是需要制定合理的分配措施;完善对沉淀资金监管制度等等
[Abstract]:With the popularity of smartphones and computers, people are becoming familiar with and even dependent on online transactions. The "double Day" of 2016 alone brought in a staggering 1, 20.7 billion yuan. Internet transactions have been integrated into people's lives. Compared with the traditional trading model, Internet transactions are not real face-to-face transactions, nor are they trading in the same region, so this kind of Internet exchange faces great risks. Third party payment platform, as a new thing, plays an important role in the Internet transaction, and the scale of its operation. However, there are still many problems in the third-party payment platform. For example, the definition of the nature and ownership of the third-party payment precipitated funds, the ownership and distribution of the interest generated by the third-party payment platform in China; This is the value of the study of third-party payment of precipitation funds, because the problem of third-party payment of precipitation funds is still in the exploration period. The ambiguity of the law on these issues is not even involved. This paper mainly combines the relevant legislation on the payment of precipitation funds by third parties in our country, as the research basis of this paper. Then the author focuses on the problems in the management of the third party payment precipitate funds. The author makes a comprehensive analysis of this paper by the methods of empirical analysis and literature research. This paper is divided into three parts to carry on the analysis of the problem. Analysis: the first part is an overview of third-party payment of precipitated funds. This part mainly deals with conceptual issues. For example, the nature of the third-party payment platform; the legal relationship between the parties involved in the third-party payment process; the reasons for the precipitation of funds by the third-party payment; The second part is the legislation status of our country to pay the precipitated fund to the third party and the existing problems in its management. This part is mainly analyzed in this paper. This part is mainly based on the legislation of the third party to pay precipitation funds in our country, combined with the current situation of the third party payment platform in the domestic development, focusing on the ownership of the settling funds; Ownership and distribution of interest on precipitated funds; whether the third-party payment platform can reasonably use precipitated funds within a specific scope; The third part is the legal advice to solve the problems existing in the management of the third party payment precipitation fund in our country. This part is mainly aimed at the third party payment sink at present. The specific legal proposals put forward by the problems existing in the management of the lake funds, For example, it is clear that the ownership of the precipitated funds belongs to the user; the interest on the precipitated funds also belongs to the user but it is necessary to formulate reasonable allocation measures; to improve the regulatory system of the precipitated funds, etc.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.28

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