论非金融机构网络支付平台客户权益法律保护

发布时间：2018-09-07 18:06

【摘要】：非金融机构网络支付平台是随着网购的不断发展而兴起的一种新型的支付媒介,在电子商务飞速发展的今天,这种支付方式的应用越来越广泛,同时在实践中需要解决的法律问题也越来越多。我国现行立法关于非金融机构网络支付平台的规定还不够完善,在保护非金融机构网络支付平台的客户权益方面也存在很多的不足。为了促进非金融机构网络支付平台的健康发展和更好的保护客户的合法权益,制定符合我国非金融机构网络支付行业发展现状的法律制度刻不容缓。相比之下,国外非金融机构网络支付行业发展较早,学术研究和法律规定亦相对丰富和完善。例如,美国法律规定针对非金融机构网络支付实行存款延伸保险制度,这就很好的解决了客户备付金的孳息归属问题,使得客户备付金被侵占和非法利用的可能性大大减小。本文通过对比我国与美欧国家非金融机构网络支付平台的客户权益法律保护的实践,总结出我国当前法律的不足,在吸收国外先进经验的基础上,对我国非金融机构网络支付平台客户权益的法律保护提出完善建议。本文分为四个部分:第一部分首先分析非金融机构网络支付平台的内涵、客户的界定,支付过程中所涉及到的四方三对法律关系,随后对非金融机构网络支付平台中客户权益的6种类型(即客户的公平交易权、选择权、财产安全权、知情权、损害求偿权、信息保密权六种)做出阐述。第二部分,对国外相关法律制度进行介绍,主要分析了立法经验较成熟的美国、欧盟两个国家和地区的相关经验,总结出它们的可取之处,以期与我国保护非金融机构网络支付平台客户权益的法律实践进行对比,取长补短。第三部分,在阐述我国非金融机构网络支付平台法律法规实施现状的基础上,指出我国法律在保护非金融机构网络支付平台客户权益方面存在的主要问题。第四部分,针对我国非金融机构网络支付平台客户权益保护的法律规范的不足之处,提出包括明确非金融机构网络支付平台的义务、加强对非金融机构网络支付平台的监管、完善非金融机构网络支付平台客户受损后的程序救济以及规范非金融机构网络支付平台的市场准入和退出机制等方面的对策建议,以期对非金融机构网络支付平台客户权益保护的法律制度的完善有所裨益。
[Abstract]:Non-financial institution network payment platform is a new payment medium rising with the continuous development of online purchase. With the rapid development of electronic commerce, the application of this payment method is more and more extensive. At the same time, there are more and more legal problems to be solved in practice. China's current legislation on non-financial institutions network payment platform provisions are not perfect, in the protection of non-financial institutions network payment platform customer rights and interests also has a lot of shortcomings. In order to promote the healthy development of the network payment platform of non-financial institutions and better protect the legitimate rights and interests of customers, it is urgent to establish a legal system in line with the current situation of the development of the network payment industry of non-financial institutions in China. In contrast, foreign non-financial institutions network payment industry developed earlier, academic research and legal provisions are relatively rich and perfect. For example, the United States law provides for the implementation of deposit extension insurance system for network payment of non-financial institutions, which solves the problem of the ownership of the fruits of customer reserve and greatly reduces the possibility of embezzlement and illegal utilization of customer reserve. By comparing the practice of legal protection of customer rights and interests between China and the United States and Europe, this paper sums up the shortcomings of our current law, and on the basis of absorbing the advanced experience of foreign countries, To improve the legal protection of customer rights and interests of network payment platform of non-financial institutions in China. This paper is divided into four parts: the first part analyzes the connotation of the network payment platform of non-financial institutions, the definition of customers, the three pairs of legal relations involved in the payment process. Then it expounds the six types of customer rights and interests in the network payment platform of non-financial institutions (that is, customer's right to fair trade, option, property security, right to know, right to claim damages, right to keep information secret). The second part introduces the relevant legal systems of foreign countries, mainly analyzes the relevant experiences of the two countries and regions, such as the United States and the European Union, where the legislative experience is relatively mature, and summarizes their merits. In order to compare with the legal practice of protecting the rights and interests of the network payment platform of non-financial institutions in our country, we can learn from each other. The third part, on the basis of expounding the current situation of the implementation of the laws and regulations of the network payment platform of the non-financial institutions in China, points out the main problems existing in the protection of the rights and interests of the customers of the network payment platform of the non-financial institutions in our country. In the fourth part, aiming at the shortcomings of the legal norms of protecting the rights and interests of the network payment platform of non-financial institutions in China, the author proposes that the obligation of the network payment platform of the non-financial institution should be clarified and the supervision of the network payment platform of the non-financial institution should be strengthened. The countermeasures and suggestions of perfecting the procedure relief after the customers of the network payment platform of the non-financial institution are damaged and standardizing the market access and exit mechanism of the network payment platform of the non-financial institution, In order to improve the legal system of customer rights and interests protection of network payment platform of non-financial institutions.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

【相似文献】