第三方网上支付法律责任问题研究

发布时间：2018-03-18 00:04

本文选题：第三方网上支付　切入点：法律地位　出处：《北方工业大学》2011年硕士论文　论文类型：学位论文

【摘要】：随着电子商务在二十一世纪发展势头迅猛,网络交易市场拓展力度也在进一步加强,安全便捷的第三方网上支付方式被越来越多的人用来作为网络交易的结算,成为网络交易中支付环节的主流支付模式。目前,我国第三方网上支付方面的相关立法明显滞后于市场发展,为第三方网上支付的良性发展带来一定的限制。因此急需完善相关法律制度从而对第三方网上支付进行规范,以促进我国第三方网上支付及整个电子商务进一步健康发展。本文运用民法、商法等相关法律理论,通过结合我国第三方网上支付发展现状,采取归纳、分析等研究方法分析了第三方网上支付中各主体的法律关系,重点探讨了第三方网上支付中存在的各种法律问题,为我国第三方网上支付立法提出进一步完善对策及立法建议。本文除引言和结语外,共分为五个部分。第一部分,从第三方网上支付的概况入手,从对第三方网上支付在实践中运用的角度进行分析和总结,尝试给出了第三方网上支付的基本涵义和类别划分,进而揭示我国第三方网上支付存在的风险。第二部分,在分析了第三方网上支付存在的合理优势的基础上,否定了第三方网上支付从事中介业务的主体资格,并进一步确认了第三方网上支付作为非银行金融机构的法律主体地位,从而将第三方网上支付划入支付清算组织的监管范围。第三、四部分,通过对第三方网上支付中各法律主体之间的法律关系分析,对第三方网上支付中法律责任归责原则及格式条款的效力问题作出了分析判断,并重点探讨了由此带来的存在于第三方网上支付中资金的安全及沉淀资金产生的孳息归属问题,确定用户对资金及孳息的所有权。第三方网上支付同时具有保护用户隐私不受非法侵害,及在法律纠纷诉讼中承担举证的法律义务。第五部分,本文对结合我国现实情况及第三方网上支付中存在的问题与不足,为第三方网上支付提供了准入机制、法律责任承担及完善法律制度等立法建议,为我国网络交易中各方当事人的利益提供坚实保障,并促进我国第三方网上支付及电子商务的健康有序发展。
[Abstract]:With the rapid development of electronic commerce in 21th century, the expansion of the online trading market is also further strengthened. The secure and convenient third-party online payment method is used by more and more people as the settlement of online transactions. It has become the mainstream payment mode in the payment link of network transaction. At present, the related legislation of third-party online payment in our country has obviously lagged behind the development of the market. Therefore, it is urgent to perfect the relevant legal system to regulate the third-party online payment, in order to promote the further healthy development of the third party online payment and the whole electronic commerce in China. Based on the relevant legal theories of civil law and commercial law, this paper analyzes the legal relations of various subjects in third-party online payment by combining with the current situation of the development of third-party online payment in China, and adopting the research methods of induction and analysis. This paper focuses on various legal problems existing in third-party online payment, and puts forward further improvement countermeasures and legislative suggestions for legislation of third-party online payment in China. In addition to the introduction and conclusion, this article is divided into five parts. The first part, starting with the general situation of third-party online payment, analyzes and summarizes the application of third-party online payment in practice, and tries to give the basic meaning and classification of third-party online payment. Then it reveals the risk of third party online payment in our country. The second part, on the basis of analyzing the reasonable advantage of the third party online payment, negates the qualification of the third party online payment engaged in intermediary business. Furthermore, the third party online payment is recognized as the legal subject of non-bank financial institutions, so that the third party online payment is regulated by the payment liquidation organization. The third and fourth parts, through the analysis of the legal relationship among the legal subjects in the third-party online payment, the author makes an analysis and judgment on the principle of liability imputation and the effectiveness of the form clause in the third-party online payment. The security of funds in third-party online payment and the ownership of fruits generated by settling funds are discussed in detail. Third party online payment also has the legal obligation to protect users' privacy from illegal infringement and to bear the burden of proof in legal disputes. In the 5th part, this paper provides some legislative suggestions for the third party online payment, such as access mechanism, legal liability assumption and improvement of the legal system, combined with the reality of our country and the problems and shortcomings in the third party online payment. It provides a solid guarantee for the interests of all parties involved in the network transaction in our country and promotes the healthy and orderly development of the third party online payment and electronic commerce in our country.
【学位授予单位】：北方工业大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：D912.28

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