网络第三方支付领域主要民事法律问题研究

发布时间：2018-07-06 17:53

本文选题：网络第三方支付 + 法律关系　；参考：《上海社会科学院》2015年硕士论文

【摘要】：伴随网络技术的普及和电子商务的蓬勃发展,网络第三方支付应运而生,但在运行中存在诸多风险,值得探讨的主要民事法律问题有：网络第三方支付领域参与民事主体众多,民事法律关系复杂多样；网络第三方支付中格式条款效力不明、弊端较多；网络第三方支付中的巨额沉淀资金及孳息的法律性质及所有权归属尚未确定；民事合同和侵权责任未清晰界定；消费者的隐私权欠缺法律保护。在网络第三方支付领域,买卖双方与第三方支付机构的民事法律关系应综合考虑委托代理说、保管说、信用担保说等学说加以确定。公平原则、平等原则、意思自治原则、诚实信用原则、不利条款提供方原则等应作为网络第三方支付中的格式条款效力认定原则,同时,须明确异常条款不能成为合同内容,正确厘清异常条款与无效条款、可撤销条款的区别,解释方法应采不利格式条款提供方原则,以网络第三方支付特性为准,探求多种方法解决格式条款的弊端。采取一般条款与类型化条款相结合立法,包含原则性规定和具体列举的系统性规则。对格式条款设置行业范本,列明不公平不合理条款的范围。网络第三方支付领域沉淀资金和孳息的所有权应当归属于消费者。为解决孳息的处分问题,建议按照“四分法”完善风险准备金制度。分配给第三方支付机构沉淀资金孳息的20%。把沉淀资金利息收入中的30%纳入第三方支付消费者保护基金或相关保险基金。将40%的沉淀资金孳息返还给客户或委托第三方理财公司进行融资。应当以过错责任原则为归责原则确定网络第三方支付领域的民事合同责任；以过错推定责任为一般归责原则、以公平责任为辅助原则确定网络第三方支付领域的侵权责任。应借鉴美国和日本等国家和地区的立法经验,建立关于网络第三方支付领域消费者隐私权的民事法律制度保护网。
[Abstract]:With the popularity of network technology and the vigorous development of electronic commerce, third-party payment of network emerged as the times require, but there are many risks in the operation. The civil legal relationship is complex and diverse; the effectiveness of the format clauses in the network third-party payment is unclear, and there are many drawbacks; the legal nature and ownership of the huge amount of precipitated funds and fruits in the network third-party payment have not been determined. Civil contract and tort liability are not clearly defined; consumers' right to privacy lacks legal protection. In the field of network third-party payment, the civil legal relationship between buyer and seller and third party payment institution should be determined by the theory of principal-agent theory, custody theory and credit guarantee theory. Fairness principle, equality principle, will autonomy principle, good faith principle, unfavorable clause provider principle, etc., should be regarded as the principle of determining the validity of the form clause in the network third party payment. At the same time, it must be made clear that the abnormal clause cannot be the content of the contract. In order to correctly clarify the difference between abnormal clause and invalid clause and nullify clause, the interpretation method should adopt the principle of unfavorable form clause provider, take the characteristics of network third party payment as the criterion, and explore various methods to solve the malpractice of format clause. Adopt general clause and type clause combine legislation, contain principle stipulation and specific enumerate systematic rule. Set industry model for format terms, setting out the scope of unfair and unreasonable clauses. The ownership of accumulated funds and fruits in the field of net third party payment shall be vested in the consumer. In order to solve the problem of the disposition of fruits, it is suggested to perfect the risk reserve system according to the four-part Law. 20% of the amount of money to be deposited by the third party payment institution. Include 30% of interest income on accumulated funds into third-party payment consumer protection funds or related insurance funds. Will deposit 40% of the proceeds returned to customers or entrusted to third-party financing companies. We should take the principle of fault liability as the imputation principle to determine the civil contract liability in the field of network third-party payment, take the presumption of fault liability as the general imputation principle, and take fair liability as the auxiliary principle to determine the tort liability in the field of network third-party payment. We should draw lessons from the legislative experience of countries and regions such as the United States and Japan, and establish a civil legal system to protect the privacy of consumers in the field of third-party payment on the Internet.
【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】：2015
【分类号】：D923

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