电子商务中第三方支付法律问题研究

发布时间：2018-01-03 07:41

本文关键词：电子商务中第三方支付法律问题研究　出处：《湘潭大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着我国电子商务市场的快速发展，越来越多的人开始倾向于通过第三方支付进行交易。第三方支付的出现对非面对面交易者来说是一个大的突破，它不仅降低了用户的交易成本，保障了交易的安全进行，而且在一定程度上承担着信用担保的功能，消除了交易双方的互不信任感。但是，第三方支付作为一个新生事物，由于缺乏监管，仍然存在很多法律问题。本文通过对第三方支付的发展现状进行分析，概括总结了电子商务第三方支付中出现的主要法律问题，并针对这些问题进行了详细分析和阐述。本文分为四章，第一章对电子商务中第三方支付的概念、特征、主要模式进行介绍。第三方支付是买卖交易双方为了消除交易疑虑，以计算机或者手机、电话等电子设备为载体，借助具有一定实力和信誉保证的独立第三方机构提供的交易支持平台进行交易的新型支付模式。根据第三方支付提供的功能为标准，，可以分为网关型第三方支付和信用担保型第三方支付，根据第三方支付服务提供商有无电子商务平台作为依附，可以分为独立的第三方支付模式和有电子交易平台支持的第三方支付模式。第二至四章分别对电子商务第三方支付中的具体法律问题进行分析。第二章明确了第三方支付参与主体间的法律关系，提出第三方支付服务提供商的法律定位为准金融机构的观点，并对其进行了详细论述。第三章主要对第三方支付中出现的沉淀资金问题进行分析，确定沉淀资金不具有银行存款的性质，提出对于沉淀资金的管理处分应当由买方与第三方支付服务提供商协商处理，在一定程度上肯定了“余额宝”等理财方式存在的合理性和可行性。第四章主要针对电子商务中第三方支付的用户权益保障问题，对第三方支付用户存在的资金安全和隐私泄露等法律风险进行了分析，具体介绍了美国和欧盟的用户权益保障制度，在借鉴的基础上提出我国应当加强隐私保护立法、加大第三方支付服务提供商责任的建议。
[Abstract]:With the rapid development of e-commerce market in China, more and more people tend to trade through third-party payment. The appearance of third-party payment is a big breakthrough for non-face-to-face traders. It not only reduces the transaction cost of the user and ensures the security of the transaction, but also undertakes the function of credit guarantee to a certain extent and eliminates the mutual distrust between the two parties. Third party payment as a new thing, due to the lack of supervision, there are still many legal problems. This paper summarizes the main legal problems in the third-party payment of e-commerce, and analyzes these problems in detail. This paper is divided into four chapters. The first chapter introduces the concept, characteristics and main mode of third-party payment in e-commerce. Telephone and other electronic equipment as the carrier, with the help of independent third-party organizations with certain strength and credibility to provide a transaction support platform for the transaction of a new payment mode, according to the function of third-party payment as the standard. It can be divided into gateway third party payment and credit guarantee third party payment, according to the third party payment service provider has the electronic commerce platform as the attachment. It can be divided into independent third-party payment mode and third-party payment mode supported by electronic trading platform. The second to fourth chapters respectively analyze the specific legal issues in the third party payment of electronic commerce. The second chapter clarifies the legal relationship between the third party payment participants. This paper puts forward the legal position of third-party payment service provider as a financial institution and discusses it in detail. The third chapter mainly analyzes the precipitation fund problem in the third party payment, and determines that the precipitation fund does not have the nature of bank deposit. The author puts forward that the management disposition of the precipitated fund should be handled by the buyer and the third party payment service provider in consultation, which to a certain extent affirms the rationality and feasibility of the financial management methods such as Yu'e Bao. Chapter 4th mainly focuses on the protection of the rights and interests of the third party payment in electronic commerce, and analyzes the legal risks of the third party payment user, such as fund security and privacy disclosure. This paper introduces the protection system of user's rights and interests in the United States and European Union, and puts forward some suggestions that our country should strengthen the legislation of privacy protection and increase the liability of third-party payment service providers on the basis of reference.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.28

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