發(fā)布時(shí)間：2018-01-03 07:41

  本文關(guān)鍵詞：電子商務(wù)中第三方支付法律問題研究　出處：《湘潭大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 第三方支付服務(wù)提供商 沉淀資金 用戶權(quán)益

【摘要】：隨著我國電子商務(wù)市場的快速發(fā)展，越來越多的人開始傾向于通過第三方支付進(jìn)行交易。第三方支付的出現(xiàn)對(duì)非面對(duì)面交易者來說是一個(gè)大的突破，它不僅降低了用戶的交易成本，保障了交易的安全進(jìn)行，而且在一定程度上承擔(dān)著信用擔(dān)保的功能，消除了交易雙方的互不信任感。但是，第三方支付作為一個(gè)新生事物，由于缺乏監(jiān)管，仍然存在很多法律問題。本文通過對(duì)第三方支付的發(fā)展現(xiàn)狀進(jìn)行分析，概括總結(jié)了電子商務(wù)第三方支付中出現(xiàn)的主要法律問題，并針對(duì)這些問題進(jìn)行了詳細(xì)分析和闡述。 本文分為四章，第一章對(duì)電子商務(wù)中第三方支付的概念、特征、主要模式進(jìn)行介紹。第三方支付是買賣交易雙方為了消除交易疑慮，以計(jì)算機(jī)或者手機(jī)、電話等電子設(shè)備為載體，借助具有一定實(shí)力和信譽(yù)保證的獨(dú)立第三方機(jī)構(gòu)提供的交易支持平臺(tái)進(jìn)行交易的新型支付模式。根據(jù)第三方支付提供的功能為標(biāo)準(zhǔn)，，可以分為網(wǎng)關(guān)型第三方支付和信用擔(dān)保型第三方支付，根據(jù)第三方支付服務(wù)提供商有無電子商務(wù)平臺(tái)作為依附，可以分為獨(dú)立的第三方支付模式和有電子交易平臺(tái)支持的第三方支付模式。 第二至四章分別對(duì)電子商務(wù)第三方支付中的具體法律問題進(jìn)行分析。第二章明確了第三方支付參與主體間的法律關(guān)系，提出第三方支付服務(wù)提供商的法律定位為準(zhǔn)金融機(jī)構(gòu)的觀點(diǎn)，并對(duì)其進(jìn)行了詳細(xì)論述。 第三章主要對(duì)第三方支付中出現(xiàn)的沉淀資金問題進(jìn)行分析，確定沉淀資金不具有銀行存款的性質(zhì)，提出對(duì)于沉淀資金的管理處分應(yīng)當(dāng)由買方與第三方支付服務(wù)提供商協(xié)商處理，在一定程度上肯定了“余額寶”等理財(cái)方式存在的合理性和可行性。 第四章主要針對(duì)電子商務(wù)中第三方支付的用戶權(quán)益保障問題，對(duì)第三方支付用戶存在的資金安全和隱私泄露等法律風(fēng)險(xiǎn)進(jìn)行了分析，具體介紹了美國和歐盟的用戶權(quán)益保障制度，在借鑒的基礎(chǔ)上提出我國應(yīng)當(dāng)加強(qiáng)隱私保護(hù)立法、加大第三方支付服務(wù)提供商責(zé)任的建議。
[Abstract]:With the rapid development of e-commerce market in China, more and more people tend to trade through third-party payment. The appearance of third-party payment is a big breakthrough for non-face-to-face traders. It not only reduces the transaction cost of the user and ensures the security of the transaction, but also undertakes the function of credit guarantee to a certain extent and eliminates the mutual distrust between the two parties. Third party payment as a new thing, due to the lack of supervision, there are still many legal problems. This paper summarizes the main legal problems in the third-party payment of e-commerce, and analyzes these problems in detail. This paper is divided into four chapters. The first chapter introduces the concept, characteristics and main mode of third-party payment in e-commerce. Telephone and other electronic equipment as the carrier, with the help of independent third-party organizations with certain strength and credibility to provide a transaction support platform for the transaction of a new payment mode, according to the function of third-party payment as the standard. It can be divided into gateway third party payment and credit guarantee third party payment, according to the third party payment service provider has the electronic commerce platform as the attachment. It can be divided into independent third-party payment mode and third-party payment mode supported by electronic trading platform. The second to fourth chapters respectively analyze the specific legal issues in the third party payment of electronic commerce. The second chapter clarifies the legal relationship between the third party payment participants. This paper puts forward the legal position of third-party payment service provider as a financial institution and discusses it in detail. The third chapter mainly analyzes the precipitation fund problem in the third party payment, and determines that the precipitation fund does not have the nature of bank deposit. The author puts forward that the management disposition of the precipitated fund should be handled by the buyer and the third party payment service provider in consultation, which to a certain extent affirms the rationality and feasibility of the financial management methods such as Yu'e Bao. Chapter 4th mainly focuses on the protection of the rights and interests of the third party payment in electronic commerce, and analyzes the legal risks of the third party payment user, such as fund security and privacy disclosure. This paper introduces the protection system of user's rights and interests in the United States and European Union, and puts forward some suggestions that our country should strengthen the legislation of privacy protection and increase the liability of third-party payment service providers on the basis of reference.
【學(xué)位授予單位】：湘潭大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：D922.28

【參考文獻(xiàn)】

相關(guān)博士學(xué)位論文 前1條

1 李俊平;第三方支付法律制度比較研究[D];湖南師范大學(xué);2012年

本文編號(hào)：1373022