第三方支付中消费者安全权相关法律问题研究

发布时间：2018-01-17 23:19

本文关键词：第三方支付中消费者安全权相关法律问题研究　出处：《上海社会科学院》2017年硕士论文　论文类型：学位论文

【摘要】：创新型的第三方支付发展成功变革了人们的支付习惯。以互联网技术为依托的新型支付手段在给人们带来便利的同时,也造成了前所未有的支付安全隐患。支付机构与消费者之间信息不对称,导致了二者权利义务的严重失衡。消费者的财产安全与信息安全在这样的支付环境下面临新的风险与危机。受法律滞后性的影响,国内第三方支付业一度处于监管空白阶段。2010年中国人民银行《非金融机构支付服务管理办法》及其实施细则的出台标志着第三方支付业开始步入法律监管时代。但尽管之后陆续制定了一系列相关的规范性文件,可依旧缺乏保护消费者安全权的针对性法律规范。而消费者权益保护法的内容适用性不高,新的行为规范又出现缺位。第三方支付消费者一面遭遇支付机构利用格式合同等手段转嫁风险,一面又处于"救济难""举证难"的尴尬之境。文章旨在通过梳理中外第三方支付监管立法,研究分析第三方支付的运行模式,寻找出国内法律监管的漏洞与问题,最终从现实性与立法性两个方向为完善消费者安全权制度提出些许建议,以期进一步明确支付机构的职责义务,改善消费者的弱势地位,提高支付机构的自律守法意识以及消费者的维权意识,为促进我国第三方支付的良性发展做出努力。全文以维护第三方支付消费者的财产安全、信息安全为主题内容展开研究,共由四个章节构成。第一章就第三方支付与消费者安全权的基本内涵作基本阐述。主要介绍了消费者财产安全权与信息安全权的界定,并从经济法学的角度肯定消费者安全权问题受经济法规制的正当性与必要性,为后文分析具体风险与问题打好基础。第二章基于第一章的内容,从立法与现实两个角度,就第三方支付中的消费者安全权受损的现状问题展开深入分析。第三章主要以前一章为行文依据,企图以参考借鉴的眼光搜集整理国内外的立法监管实践,以期为解决我国保护第三方支付中消费者安全权的问题与困境提供思路。因而该章主要从财产安全与信息安全入手,介绍了国内外划分未授权责任、处理沉淀资金以及信息披露、隐私权保护等方面的立法经验与实践创新。第四章在参考第三章的内容后,综合提出了健全消费者安全权法律监管体系与完善格式条款监管制度、信息披露制度等涵盖实践与立法的建议。
[Abstract]:The successful development of innovative third-party payment has changed people's payment habits. The new payment means based on Internet technology bring convenience to people. It also causes unprecedented security risks of payment. The information between payment agencies and consumers is asymmetric. It leads to the serious imbalance between the rights and obligations of the two. Consumers' property security and information security are faced with new risks and crises under such payment environment, which is influenced by the lag of law. In 2010, the people's Bank of China (PBOC) and its detailed rules for the implementation of the third party payment industry began to enter the legal supervision. But after that, a series of related normative documents have been developed one after another. However, there is still a lack of targeted legal norms to protect consumers' right to safety. However, the content of consumer rights and interests protection law is not highly applicable. The new code of conduct is also absent. Third party payment consumers face the risk of passing on the risk by means of format contract and other means. On the one hand, it is in the awkward state of "relief difficult" and "hard to prove". This article aims at studying and analyzing the operation mode of third-party payment by combing the third party payment supervision legislation at home and abroad. Find out the loopholes and problems of domestic legal supervision, and finally from the reality and legislative two directions to improve consumer safety rights system to put forward some suggestions, in order to further clarify the duties and obligations of payment agencies. Improve the weak position of consumers, enhance the self-discipline and law-abiding awareness of payment agencies and consumers' awareness of safeguarding their rights. In order to promote the benign development of third-party payment in China, this paper focuses on the maintenance of third-party payment consumer property security, information security as the theme of the study. It consists of four chapters. The first chapter describes the basic connotation of third-party payment and consumer security right. It mainly introduces the definition of consumer property security right and information security right. And from the perspective of economic law to affirm the legitimacy and necessity of consumer safety rights subject to economic laws and regulations for the following analysis of specific risks and problems. Chapter two is based on the content of the first chapter. From the perspective of legislation and reality, this paper deeply analyzes the current situation of the loss of consumers' right to safety in third-party payment. The third chapter is mainly based on the previous chapter. The author tries to collect and sort out the domestic and foreign legislative supervision practice with reference and reference. In order to solve the problems and dilemmas in the protection of consumer security rights in third-party payment in China, this chapter mainly starts with property security and information security, and introduces the division of unauthorized responsibility at home and abroad. The legislative experience and practice innovation in dealing with precipitated funds and information disclosure, privacy protection, etc. Chapter 4th, after referring to the contents of Chapter 3. Some suggestions are put forward such as perfecting the legal supervision system of consumers' right to safety, perfecting the supervision system of standard clauses, and information disclosure system covering practice and legislation.
【学位授予单位】：上海社会科学院
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D923.8

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