本文選題：第三方支付 + 民事責(zé)任　； 參考：《南昌大學(xué)》2015年碩士論文

【摘要】：第三方支付自產(chǎn)生以來(lái),得到了世界各個(gè)國(guó)家和地區(qū)的廣泛認(rèn)可與普及。它作為一種新型支付模式,較好地解決了電子商務(wù)中的信用與安全問(wèn)題,大大降低了交易風(fēng)險(xiǎn),實(shí)現(xiàn)了電子交易的高速便捷。但是第三方支付在發(fā)展過(guò)程中也暴露出了諸多問(wèn)題,因第三方支付產(chǎn)生的民事糾紛日益增多�；诖�,有必要對(duì)第三方支付中的民事責(zé)任加以研究。本文首先從第三方支付的概念出發(fā),闡述我國(guó)關(guān)于第三方支付的立法現(xiàn)狀。其次,詳細(xì)分析了第三方支付機(jī)構(gòu)、用戶、銀行彼此間形成的民事法律關(guān)系,論述他們應(yīng)當(dāng)享有的權(quán)利和履行的義務(wù),從而為劃分各方參與者的民事責(zé)任奠定基礎(chǔ)。再次,深入剖析我國(guó)第三方支付民事責(zé)任制度存在的缺陷,主要表現(xiàn)在第三方支付機(jī)構(gòu)的法律地位不清晰、備付金所有權(quán)權(quán)屬定性錯(cuò)誤、各方參與者的民事責(zé)任難以厘清等方面。最后,提出了幾點(diǎn)關(guān)于完善我國(guó)第三方支付民事責(zé)任制度的建議,如明確界定第三方支付機(jī)構(gòu)是從事電子貨幣支付業(yè)務(wù)的準(zhǔn)金融機(jī)構(gòu)、明確備付金所有權(quán)歸第三方支付機(jī)構(gòu)、明確各方參與者承擔(dān)的民事責(zé)任。本文期望通過(guò)以上內(nèi)容的論述,彌補(bǔ)我國(guó)當(dāng)前第三方支付民事責(zé)任方面的漏洞,促進(jìn)第三方支付行業(yè)的健康發(fā)展。
[Abstract]:Since its birth, third-party payment has been widely recognized and popularized in various countries and regions of the world. As a new payment mode, it solves the credit and security problems in electronic commerce, greatly reduces the transaction risk, and realizes the high speed and convenience of electronic transaction. But the third party payment also exposes many problems in the development process, because the third party payment produces the civil dispute day by day. Based on this, it is necessary to study the civil liability of third party payment. In this paper, the concept of third-party payment, the third-party payment on the legislative status quo. Secondly, the civil legal relationship between the third party payment institution, the user and the bank is analyzed in detail, and the rights and obligations that they should enjoy are discussed, so as to lay the foundation for dividing the civil liability of the participants. Thirdly, it deeply analyzes the defects of the third party payment civil liability system in our country, mainly manifested in the lack of clear legal status of the third party payment organization and the qualitative error in the ownership of the reserve fund. It is difficult to clarify the civil liability of the participants. Finally, the paper puts forward several suggestions on perfecting the civil liability system of third-party payment in China, such as defining clearly that third-party payment institution is a quasi-financial institution engaged in electronic currency payment business, making it clear that the ownership of reserve money belongs to third-party payment organization. Clarify the civil liability of all parties involved. This paper hopes to make up for the loopholes in the civil liability of the third party payment and promote the healthy development of the third party payment industry.
【學(xué)位授予單位】：南昌大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D923
，

本文編號(hào)：1892738