【摘要】：非金融機(jī)構(gòu)網(wǎng)絡(luò)支付平臺(tái)是隨著網(wǎng)購(gòu)的不斷發(fā)展而興起的一種新型的支付媒介,在電子商務(wù)飛速發(fā)展的今天,這種支付方式的應(yīng)用越來(lái)越廣泛,同時(shí)在實(shí)踐中需要解決的法律問(wèn)題也越來(lái)越多。我國(guó)現(xiàn)行立法關(guān)于非金融機(jī)構(gòu)網(wǎng)絡(luò)支付平臺(tái)的規(guī)定還不夠完善,在保護(hù)非金融機(jī)構(gòu)網(wǎng)絡(luò)支付平臺(tái)的客戶權(quán)益方面也存在很多的不足。為了促進(jìn)非金融機(jī)構(gòu)網(wǎng)絡(luò)支付平臺(tái)的健康發(fā)展和更好的保護(hù)客戶的合法權(quán)益,制定符合我國(guó)非金融機(jī)構(gòu)網(wǎng)絡(luò)支付行業(yè)發(fā)展現(xiàn)狀的法律制度刻不容緩。相比之下,國(guó)外非金融機(jī)構(gòu)網(wǎng)絡(luò)支付行業(yè)發(fā)展較早,學(xué)術(shù)研究和法律規(guī)定亦相對(duì)豐富和完善。例如,美國(guó)法律規(guī)定針對(duì)非金融機(jī)構(gòu)網(wǎng)絡(luò)支付實(shí)行存款延伸保險(xiǎn)制度,這就很好的解決了客戶備付金的孳息歸屬問(wèn)題,使得客戶備付金被侵占和非法利用的可能性大大減小。本文通過(guò)對(duì)比我國(guó)與美歐國(guó)家非金融機(jī)構(gòu)網(wǎng)絡(luò)支付平臺(tái)的客戶權(quán)益法律保護(hù)的實(shí)踐,總結(jié)出我國(guó)當(dāng)前法律的不足,在吸收國(guó)外先進(jìn)經(jīng)驗(yàn)的基礎(chǔ)上,對(duì)我國(guó)非金融機(jī)構(gòu)網(wǎng)絡(luò)支付平臺(tái)客戶權(quán)益的法律保護(hù)提出完善建議。本文分為四個(gè)部分:第一部分首先分析非金融機(jī)構(gòu)網(wǎng)絡(luò)支付平臺(tái)的內(nèi)涵、客戶的界定,支付過(guò)程中所涉及到的四方三對(duì)法律關(guān)系,隨后對(duì)非金融機(jī)構(gòu)網(wǎng)絡(luò)支付平臺(tái)中客戶權(quán)益的6種類型(即客戶的公平交易權(quán)、選擇權(quán)、財(cái)產(chǎn)安全權(quán)、知情權(quán)、損害求償權(quán)、信息保密權(quán)六種)做出闡述。第二部分,對(duì)國(guó)外相關(guān)法律制度進(jìn)行介紹,主要分析了立法經(jīng)驗(yàn)較成熟的美國(guó)、歐盟兩個(gè)國(guó)家和地區(qū)的相關(guān)經(jīng)驗(yàn),總結(jié)出它們的可取之處,以期與我國(guó)保護(hù)非金融機(jī)構(gòu)網(wǎng)絡(luò)支付平臺(tái)客戶權(quán)益的法律實(shí)踐進(jìn)行對(duì)比,取長(zhǎng)補(bǔ)短。第三部分,在闡述我國(guó)非金融機(jī)構(gòu)網(wǎng)絡(luò)支付平臺(tái)法律法規(guī)實(shí)施現(xiàn)狀的基礎(chǔ)上,指出我國(guó)法律在保護(hù)非金融機(jī)構(gòu)網(wǎng)絡(luò)支付平臺(tái)客戶權(quán)益方面存在的主要問(wèn)題。第四部分,針對(duì)我國(guó)非金融機(jī)構(gòu)網(wǎng)絡(luò)支付平臺(tái)客戶權(quán)益保護(hù)的法律規(guī)范的不足之處,提出包括明確非金融機(jī)構(gòu)網(wǎng)絡(luò)支付平臺(tái)的義務(wù)、加強(qiáng)對(duì)非金融機(jī)構(gòu)網(wǎng)絡(luò)支付平臺(tái)的監(jiān)管、完善非金融機(jī)構(gòu)網(wǎng)絡(luò)支付平臺(tái)客戶受損后的程序救濟(jì)以及規(guī)范非金融機(jī)構(gòu)網(wǎng)絡(luò)支付平臺(tái)的市場(chǎng)準(zhǔn)入和退出機(jī)制等方面的對(duì)策建議,以期對(duì)非金融機(jī)構(gòu)網(wǎng)絡(luò)支付平臺(tái)客戶權(quán)益保護(hù)的法律制度的完善有所裨益。
[Abstract]:Non-financial institution network payment platform is a new payment medium rising with the continuous development of online purchase. With the rapid development of electronic commerce, the application of this payment method is more and more extensive. At the same time, there are more and more legal problems to be solved in practice. China's current legislation on non-financial institutions network payment platform provisions are not perfect, in the protection of non-financial institutions network payment platform customer rights and interests also has a lot of shortcomings. In order to promote the healthy development of the network payment platform of non-financial institutions and better protect the legitimate rights and interests of customers, it is urgent to establish a legal system in line with the current situation of the development of the network payment industry of non-financial institutions in China. In contrast, foreign non-financial institutions network payment industry developed earlier, academic research and legal provisions are relatively rich and perfect. For example, the United States law provides for the implementation of deposit extension insurance system for network payment of non-financial institutions, which solves the problem of the ownership of the fruits of customer reserve and greatly reduces the possibility of embezzlement and illegal utilization of customer reserve. By comparing the practice of legal protection of customer rights and interests between China and the United States and Europe, this paper sums up the shortcomings of our current law, and on the basis of absorbing the advanced experience of foreign countries, To improve the legal protection of customer rights and interests of network payment platform of non-financial institutions in China. This paper is divided into four parts: the first part analyzes the connotation of the network payment platform of non-financial institutions, the definition of customers, the three pairs of legal relations involved in the payment process. Then it expounds the six types of customer rights and interests in the network payment platform of non-financial institutions (that is, customer's right to fair trade, option, property security, right to know, right to claim damages, right to keep information secret). The second part introduces the relevant legal systems of foreign countries, mainly analyzes the relevant experiences of the two countries and regions, such as the United States and the European Union, where the legislative experience is relatively mature, and summarizes their merits. In order to compare with the legal practice of protecting the rights and interests of the network payment platform of non-financial institutions in our country, we can learn from each other. The third part, on the basis of expounding the current situation of the implementation of the laws and regulations of the network payment platform of the non-financial institutions in China, points out the main problems existing in the protection of the rights and interests of the customers of the network payment platform of the non-financial institutions in our country. In the fourth part, aiming at the shortcomings of the legal norms of protecting the rights and interests of the network payment platform of non-financial institutions in China, the author proposes that the obligation of the network payment platform of the non-financial institution should be clarified and the supervision of the network payment platform of the non-financial institution should be strengthened. The countermeasures and suggestions of perfecting the procedure relief after the customers of the network payment platform of the non-financial institution are damaged and standardizing the market access and exit mechanism of the network payment platform of the non-financial institution, In order to improve the legal system of customer rights and interests protection of network payment platform of non-financial institutions.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.28

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