电子商务第三方支付平台法律问题研究

发布时间：2018-01-18 07:28

本文关键词：电子商务第三方支付平台法律问题研究　出处：《长春工业大学》2017年硕士论文　论文类型：学位论文

【摘要】：近年来,随着互联网的普及和网上支付的使用,人们改变了传统的交易方式,电子商务成为和以往交易方式不同的一种全新的商业运作模式,成为了当代国际商务往来和各国经济活动的主流交易方式。美欧诸国由于出现电子商务时间早,在第三方支付的法律规制方面走在前列。值得重视的是,当前中国网上支付的立法明显滞后于市场的发展。纵观现有法律,有关网上支付的立法非常缺乏,仅限于一些部门规章和政策,立法效力等级较低,而且关注方面主要集中在银行与企业和网上银行的规制方面。对于第三方支付的法律地位、监管等诸多问题均未作立法规范。因此,研究和参照美欧诸国相关立法完善中国第三方支付领域的法律规定已是必要。本文基于国内外研究成果,对第三方支付平台的概念、优势与劣势进行简要地介绍,同时对第三方支付平台的参与主体及法律关系进行分析;其次,对我国电子商务中第三方支付平台法律现状及存在问题展开分析,结合具体案例,发现我国第三方支付平台在法律方面存在较大的漏洞;最后,借鉴美国和欧盟的成功经验,提出有利于健全我国第三方支付平台法律规制的建议与对策。
[Abstract]:In recent years, with the popularity of the Internet and the use of online payment, people have changed the traditional way of trading. The United States and Europe, due to the early emergence of e-commerce, in the legal regulation of third-party payment is in the forefront. It is worth paying attention to. The current legislation of online payment in China obviously lags behind the development of the market. Looking at the existing laws, the legislation on online payment is very lacking, limited to some sectoral regulations and policies, and the level of legislative effect is low. And the focus of attention is mainly on the regulation of banks and enterprises and online banking. For the third party payment of legal status, supervision and many other issues have not been legislated. It is necessary to study and refer to the relevant legislation of the United States and Europe to perfect the legal provisions in the field of third-party payment in China. This paper based on the research results at home and abroad to the concept of third-party payment platform. The advantages and disadvantages are briefly introduced, and the third party payment platform of the main body and legal relationship are analyzed. Secondly, it analyzes the current situation and existing problems of the third-party payment platform in China's e-commerce, and finds that there are large loopholes in the legal aspect of the third-party payment platform in our country in the light of specific cases. Finally, using the successful experiences of the United States and the European Union for reference, some suggestions and countermeasures are put forward to improve the legal regulation of third-party payment platforms in China.
【学位授予单位】：长春工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.28;D922.294

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