第三方支付客户备付金的法律问题研究

发布时间：2018-06-25 15:22

本文选题：第三方支付 + 支付宝　；参考：《广西大学》2015年硕士论文

【摘要】：第三方支付机构凭借自身特有的属性,以信息技术和金融技术为依托,颠覆了传统的交易方式,开创了互联网交易的新模式,给互联网金融行业增添了新动力。但是,在第三方支付过程中,由于资金进出存在时间差,客户的部分资金滞留于第三方支付机构的银行账户中,理论及实践中对该部分资金的性质及其利息归属均存在争议,且目前对客户备付金的监管模式也存在不足之处。本文以支付宝为例,在综合评析各种学说的基础上,从保管合同的角度,认为第三方支付机构客户备付金为一般保管合同的标的物,并论述了客户备付金的孳息归属和监管问题。最后,基于安全性和效率性,本文将客户备付金分为“闲置资金”和“托管资金”,并在此基础上以“余额宝”为例,探讨了客户备付金使用过程中存在的法律问题,并提出相应的改进措施。
[Abstract]:Relying on their own unique attributes, third-party payment institutions, relying on information technology and financial technology, subvert the traditional trading methods, create a new model of Internet transactions, and add new impetus to the Internet financial industry. However, in the process of third-party payment, due to the time lag in and out of the funds, part of the customer's funds remain in the bank accounts of the third-party payment institutions. In theory and practice, there are disputes about the nature of the funds and their interest attribution. And the current regulatory model of customer reserve also has shortcomings. This paper takes Alipay as an example, on the basis of comprehensive analysis of various theories, from the point of view of custody contract, thinks that the customer reserve of third-party payment institution is the subject matter of general custody contract. It also discusses the ownership and supervision of customer reserve. Finally, based on the security and efficiency, this paper divides the customer reserve into "idle funds" and "custody funds", and on this basis, taking "Yu'e Bao" as an example, discusses the legal problems existing in the process of using customer reserve funds. And put forward the corresponding improvement measures.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

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