利用第三方电子支付机构犯罪的刑法适用

发布时间：2018-05-01 19:36

本文选题：第三方电子支付 + 刑事犯罪　；参考：《广西民族大学》2014年硕士论文

【摘要】：电子商务的产生，改变了传统的交易方式，节约了交易成本。随着电子商务的快速发展，第三方电子支付模式应运而生。第三方电子支付机构在整个电子交易过程中充当着中介机构、担保机构等作用，为网络购物的消费者和商户提供了一个快捷、方便的交易平台。但是，随着第三方电子支付行业的迅速扩充，法律监管的漏洞逐步凸显，由此带来的法律风险也极大地损害了消费者的合法权益，对第三方电子支付行业的发展也造成一定的阻碍。关于利用第三方电子支付机构进行的刑事犯罪活动，大致分为利用第三方电子支付机构进行信用卡套现、盗窃、诈骗、赌博以及洗钱等五类刑事犯罪。计算机网络所具有的隐蔽性、复杂性等特点，也给司法实践带来很大的压力与困难。建立适宜的刑事立法体系，就显得尤为重要。但是，我国关于通过第三方电子支付机构刑事犯罪方面的刑事立法相对落后，虽然近年来通过修正案或司法解释等形式逐步进行了完善，但依然没有建立系统性的刑法规制体系；学术理论上也缺乏体系性的研究，只是少量学者就个罪进行了分析和研究。本文将“担保型”第三方电子支付机构作为主要研究对象，对利用该机构进行信用卡套现、盗窃、诈骗、赌博以及洗钱等五类刑事犯罪案例加以分析研究，对立法现状进行了梳理。在此基础上，，借鉴国外立法的成功经验，对我国关于利用第三方电子支付机构刑事犯罪方面的立法，提出了建议和完善构想。希望更好地保护网络消费者的合法权益，也希望通过刑法规制能够使得第三方电子支付行业走上健康稳健的发展道路。
[Abstract]:The emergence of e-commerce has changed the traditional transaction mode and saved transaction cost. With the rapid development of e-commerce, the third-party electronic payment mode emerges as the times require. Third party electronic payment organization acts as intermediary and guarantee agency in the whole process of electronic transaction, which provides a quick and convenient trading platform for consumers and merchants of online shopping. However, with the rapid expansion of the third party electronic payment industry, the loopholes in legal supervision have gradually become prominent, and the legal risks brought about thereby have greatly damaged the legitimate rights and interests of consumers. The development of third-party electronic payment industry also caused some obstacles. About the criminal activities carried out by the third party electronic payment organization, it can be divided into five kinds: credit card cash, theft, fraud, gambling and money laundering. The features of computer network, such as concealment and complexity, also bring great pressure and difficulty to judicial practice. It is very important to establish an appropriate criminal legislation system. However, China's criminal legislation on criminal offences through third-party electronic payment institutions is relatively backward, although in recent years it has been gradually improved through amendments or judicial interpretations. However, there is still no systematic system of criminal law regulation; the academic theory is also lack of systematic research, only a small number of scholars on the analysis and research of the crime. This paper takes the "guaranteed" third-party electronic payment institution as the main research object, and analyzes and studies five kinds of criminal cases, such as credit card cash, theft, fraud, gambling and money laundering. The current situation of legislation has been combed. On the basis of this, using the successful experience of foreign countries for reference, this paper puts forward some suggestions and perfect ideas on the legislation of criminal offence of the third party electronic payment institution in our country. We hope to better protect the legitimate rights and interests of network consumers, but also hope that through the criminal law regulation can make the third party electronic payment industry on a healthy and stable development path.
【学位授予单位】：广西民族大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D924.3

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