移动支付的法律风险及法律规制

发布时间：2018-07-10 05:15

本文选题：移动支付 + 法律风险　；参考：《天津工业大学》2017年硕士论文

【摘要】：近年来,随着手机和移动互联网的普及率、使用率、覆盖率快速增长,移动支付呈井喷式增长。移动支付无疑已成为很多人,特别是大学生等年轻人群的生活必需。根据易观智库发布的最新报告显示:2015年第三季度,中国第三方移动支付市场交易规模达43914亿元人民币,环比增长率为26.39%。作为现代生活必备,移动支付为各类信息的集散提供重要条件,对于人们的生活、工作、教育、娱乐等各个方面的质量提高有重要作用。此外,移动支付为新型产业的产生、发展提供了强有力的思路引导和工具保障,兼具实践和战略上的价值。历史的经验雄辩的表明,技术和行业的变革起源于人们在思维和行为之变化。移动互联网的产生、兴起和普及,为移动支付的萌芽和壮大提供了温床与滋养,而移动支付的繁荣,又进一步改变了人们沟通、交易等活动的方式。移动支付对人们生活方式和经济形态的影响,比过去任何一次支付变革都要来得更加深远、更加彻底,因为移动支付带来的不仅仅是支付的变革,它第一次将我们从固定的时空束缚中解放出来,依托移动设备和无线互联网技术,使人们可以随时随地地处理各类事务,开展经济活动,从而对产品服务的供给产生重大影响。然而另一方面,在移动支付在人们的生活中如火如荼迅速发展的同时,也给人们的权益带来的隐患。移动支付的风险的存在,受来自诸多方面的原因所控制。公民对移动支付一时的新鲜感和好奇心,使其忽略了其中所存在的风险和危机。我国在移动支付领域的相关立法,还处于初步阶段,自2004年以来我国各立法机构、政府部门相继出台了一系列的法律文件,在内容上涉及或针对性的对移动支付市场进行监管。尤其是最近几年中国人民银行颁布的多项部门规范性文件,建立了包括支付账户实名制、支付机构分类管理、银行账户分类管理等制度。这在很大程度上缓解了移动支付领域法律风险的规制和监管,在保护移动支付各市场主体特别是用户合法权益的保护上,以及规范移动支付市场秩序中发挥了重要作用。然而,不容忽视的是,现阶段我国移动支付立法仍然尚未形成体系化、专门化、全覆盖、高效率的法律监管体系,这进一步导致监管主体缺位、监管部门权责不清、执法混乱等问题。故而,必须引起对移动支付中存在的诸多风险,尤其是法律风险的重视和研究。我们要了解它的发展历程和运行机制,认识和分析移动支付产业中的主体和关系,进一步了解其中的症结之所在。为完善移动支付领域的立法提供依据和方案,达到保护好公民人身权利、财产权,保障和促进我国互联网经济的快速、高效、健康、可持续发展。
[Abstract]:In recent years, with the popularity, utilization and coverage of mobile phone and mobile Internet, mobile payment is increasing by blowout. Mobile payment has undoubtedly become a necessity for many people, especially young people, such as college students. China's third-party mobile payment market traded 4.3914 trillion yuan in the third quarter of 2015, a year-on-year growth rate of 26.39 yuan, according to a new report released by the Analytics think-tank. As a necessity of modern life, mobile payment provides important conditions for the distribution of all kinds of information, and plays an important role in improving the quality of people's life, work, education, entertainment and so on. In addition, mobile payment provides powerful guidance and tool support for the emergence and development of new industries, and has both practical and strategic value. Historical experience eloquently shows that technological and industrial changes originate from changes in people's thinking and behavior. The emergence, rise and popularization of mobile Internet have provided hotbed and nourishment for the sprout and growth of mobile payment, and the prosperity of mobile payment has further changed the way of communication, transaction and other activities. The impact of mobile payment on people's way of life and economic formation is more profound and thorough than any other payment reform in the past, because mobile payment brings more than just a change in payment. It liberates us for the first time from the fixed time and space shackles, relying on mobile devices and wireless Internet technology, so that people can handle all kinds of affairs at any time and anywhere, carry out economic activities, thus have a significant impact on the supply of products and services. On the other hand, while mobile payment is developing rapidly in people's life, it also brings hidden trouble to people's rights and interests. The existence of the risk of mobile payment is controlled by many reasons. Citizens' curiosity about mobile payments makes them ignore the risks and crises. The relevant legislation in the field of mobile payment in our country is still in its initial stage. Since 2004, various legislative bodies and government departments have issued a series of legal documents, which involve or aim at the supervision of the mobile payment market. In particular, in recent years, the people's Bank of China issued a number of departmental normative documents, including payment account real name system, payment agencies classified management, bank account classification management and other systems. This has greatly alleviated the regulation and supervision of the legal risks in the field of mobile payment, and played an important role in protecting the legal rights and interests of the various market subjects of mobile payment, especially in regulating the order of the mobile payment market. However, it can not be ignored that the legislation of mobile payment in our country has not yet formed a systematized, specialized, fully covered and efficient legal supervision system, which further leads to the absence of the main body of supervision and the unclear powers and responsibilities of the regulatory authorities. Law enforcement confusion, etc. Therefore, many risks, especially legal risks, must be paid attention to and studied. We should understand its development course and operation mechanism, understand and analyze the main body and relationship in the mobile payment industry, and further understand the crux of the problem. In order to perfect the legislation of mobile payment, we can protect citizens' personal rights and property rights, and ensure and promote the rapid, efficient, healthy and sustainable development of China's Internet economy.
【学位授予单位】：天津工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.28

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