基于第三方支付产生的民事责任研究

发布时间：2018-05-15 13:49

  本文选题：第三方支付 + 民事责任　； 参考：《南昌大学》2015年硕士论文

【摘要】：第三方支付自产生以来,得到了世界各个国家和地区的广泛认可与普及。它作为一种新型支付模式,较好地解决了电子商务中的信用与安全问题,大大降低了交易风险,实现了电子交易的高速便捷。但是第三方支付在发展过程中也暴露出了诸多问题,因第三方支付产生的民事纠纷日益增多。基于此,有必要对第三方支付中的民事责任加以研究。本文首先从第三方支付的概念出发,阐述我国关于第三方支付的立法现状。其次,详细分析了第三方支付机构、用户、银行彼此间形成的民事法律关系,论述他们应当享有的权利和履行的义务,从而为划分各方参与者的民事责任奠定基础。再次,深入剖析我国第三方支付民事责任制度存在的缺陷,主要表现在第三方支付机构的法律地位不清晰、备付金所有权权属定性错误、各方参与者的民事责任难以厘清等方面。最后,提出了几点关于完善我国第三方支付民事责任制度的建议,如明确界定第三方支付机构是从事电子货币支付业务的准金融机构、明确备付金所有权归第三方支付机构、明确各方参与者承担的民事责任。本文期望通过以上内容的论述,弥补我国当前第三方支付民事责任方面的漏洞,促进第三方支付行业的健康发展。
[Abstract]:Since its birth, third-party payment has been widely recognized and popularized in various countries and regions of the world. As a new payment mode, it solves the credit and security problems in electronic commerce, greatly reduces the transaction risk, and realizes the high speed and convenience of electronic transaction. But the third party payment also exposes many problems in the development process, because the third party payment produces the civil dispute day by day. Based on this, it is necessary to study the civil liability of third party payment. In this paper, the concept of third-party payment, the third-party payment on the legislative status quo. Secondly, the civil legal relationship between the third party payment institution, the user and the bank is analyzed in detail, and the rights and obligations that they should enjoy are discussed, so as to lay the foundation for dividing the civil liability of the participants. Thirdly, it deeply analyzes the defects of the third party payment civil liability system in our country, mainly manifested in the lack of clear legal status of the third party payment organization and the qualitative error in the ownership of the reserve fund. It is difficult to clarify the civil liability of the participants. Finally, the paper puts forward several suggestions on perfecting the civil liability system of third-party payment in China, such as defining clearly that third-party payment institution is a quasi-financial institution engaged in electronic currency payment business, making it clear that the ownership of reserve money belongs to third-party payment organization. Clarify the civil liability of all parties involved. This paper hopes to make up for the loopholes in the civil liability of the third party payment and promote the healthy development of the third party payment industry.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923
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本文编号：1892738