网络第三方支付法律问题研究

发布时间：2018-04-04 17:23

本文选题：网络第三方支付　切入点：风险　出处：《长春工业大学》2013年硕士论文

【摘要】：随着网络时代的来临,电子商务已经渐渐的成为人们生活中重要的一部分,网上交易的便利性更加深入人心。然而网上交易之后的支付环节涉及到银行、用户、网络第三方支付平台服务提供商等多方的利益,并且牵涉到金融领域的资金流转、资金安全,所以迫切需要法律进行规制。由于网络环境与现实环境的差异,网络第三方支付呈现出与普通线下支付不同的特点,也因此引发了新型的法律问题。最首要的问题就是网络第三方支付平台服务提供商的性质和地位界定,这是解决所有问题的立足点,学界争论已久,本文将其定性为非银行金融机构从而对网络第三方支付进行更深入的分析；其次,由于在支付环节中多出了第三方这么一个中立的角色,使得商家与买家之间的支付更加安全,但是另一方面,其也会带来巨大的系统和人为风险,风险发生后也需要遵循过错原则和公平原则进行责任分配；再次,资金从买家转移到商家账户有一个时间差,会有巨额的资金沉淀在网络第三方支付平台服务提供商处,资金及其孳息的归属还是一个盲区；最后,就是涉及到对网络第三方支付平台服务提供商的监管对策问题,需要多部门的联合协作。本文将结合现有的相关法规,从网络第三方支付的界定和交易模式出发,了解中国的现状,参照其他国家的成熟理论和成功实践经验,总结我国的不足,力图完善我国网络第三方支付的立法做出微薄的力量。
[Abstract]:With the advent of the network era, electronic commerce has gradually become an important part of people's lives, the convenience of online transactions is more popular.However, the payment link after the online transaction involves the interests of banks, users, network third-party payment platform service providers and other parties, and involves the financial field of the flow of funds, capital security, so there is an urgent need for legal regulation.Because of the difference between the network environment and the real environment, the third party payment on the network presents different characteristics from the common offline payment, which also leads to a new legal problem.The most important problem is the definition of the nature and status of the network third-party payment platform service provider, which is the foothold to solve all the problems.In this paper, it is characterized as a non-bank financial institution so as to conduct a more in-depth analysis of third-party payment on the network. Secondly, due to such a neutral role of the third party in the payment link, the payment between the merchant and the buyer is more secure.But on the other hand, it also brings huge systemic and artificial risks, and the risks also need to be distributed in accordance with the principle of fault and fairness. Thirdly, there is a time lag between the transfer of funds from buyers to business accounts.There will be a huge amount of money deposited in the network third-party payment platform service provider. The ownership of the fund and its fruits is still a blind spot. Finally, it involves the regulatory countermeasures for the network third-party payment platform service provider.Multi-sectoral collaboration is required.This article will combine the existing relevant laws and regulations, from the network third party payment definition and the transaction pattern, understands the present situation in China, consults the other countries mature theory and the successful practice experience, summarizes our country's insufficiency,Try to improve our network third-party payment legislation to make a meager force.
【学位授予单位】：长春工业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.281;D923

【参考文献】