本文選題：第三方網(wǎng)上支付　切入點(diǎn)：法律地位　出處：《北方工業(yè)大學(xué)》2011年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著電子商務(wù)在二十一世紀(jì)發(fā)展勢(shì)頭迅猛,網(wǎng)絡(luò)交易市場拓展力度也在進(jìn)一步加強(qiáng),安全便捷的第三方網(wǎng)上支付方式被越來越多的人用來作為網(wǎng)絡(luò)交易的結(jié)算,成為網(wǎng)絡(luò)交易中支付環(huán)節(jié)的主流支付模式。目前,我國第三方網(wǎng)上支付方面的相關(guān)立法明顯滯后于市場發(fā)展,為第三方網(wǎng)上支付的良性發(fā)展帶來一定的限制。因此急需完善相關(guān)法律制度從而對(duì)第三方網(wǎng)上支付進(jìn)行規(guī)范,以促進(jìn)我國第三方網(wǎng)上支付及整個(gè)電子商務(wù)進(jìn)一步健康發(fā)展。 本文運(yùn)用民法、商法等相關(guān)法律理論,通過結(jié)合我國第三方網(wǎng)上支付發(fā)展現(xiàn)狀,采取歸納、分析等研究方法分析了第三方網(wǎng)上支付中各主體的法律關(guān)系,重點(diǎn)探討了第三方網(wǎng)上支付中存在的各種法律問題,為我國第三方網(wǎng)上支付立法提出進(jìn)一步完善對(duì)策及立法建議。本文除引言和結(jié)語外,共分為五個(gè)部分。 第一部分,從第三方網(wǎng)上支付的概況入手,從對(duì)第三方網(wǎng)上支付在實(shí)踐中運(yùn)用的角度進(jìn)行分析和總結(jié),嘗試給出了第三方網(wǎng)上支付的基本涵義和類別劃分,進(jìn)而揭示我國第三方網(wǎng)上支付存在的風(fēng)險(xiǎn)。 第二部分,在分析了第三方網(wǎng)上支付存在的合理優(yōu)勢(shì)的基礎(chǔ)上,否定了第三方網(wǎng)上支付從事中介業(yè)務(wù)的主體資格,并進(jìn)一步確認(rèn)了第三方網(wǎng)上支付作為非銀行金融機(jī)構(gòu)的法律主體地位,從而將第三方網(wǎng)上支付劃入支付清算組織的監(jiān)管范圍。 第三、四部分,通過對(duì)第三方網(wǎng)上支付中各法律主體之間的法律關(guān)系分析,對(duì)第三方網(wǎng)上支付中法律責(zé)任歸責(zé)原則及格式條款的效力問題作出了分析判斷,并重點(diǎn)探討了由此帶來的存在于第三方網(wǎng)上支付中資金的安全及沉淀資金產(chǎn)生的孳息歸屬問題,確定用戶對(duì)資金及孳息的所有權(quán)。第三方網(wǎng)上支付同時(shí)具有保護(hù)用戶隱私不受非法侵害,及在法律糾紛訴訟中承擔(dān)舉證的法律義務(wù)。 第五部分,本文對(duì)結(jié)合我國現(xiàn)實(shí)情況及第三方網(wǎng)上支付中存在的問題與不足,為第三方網(wǎng)上支付提供了準(zhǔn)入機(jī)制、法律責(zé)任承擔(dān)及完善法律制度等立法建議,為我國網(wǎng)絡(luò)交易中各方當(dāng)事人的利益提供堅(jiān)實(shí)保障,并促進(jìn)我國第三方網(wǎng)上支付及電子商務(wù)的健康有序發(fā)展。
[Abstract]:With the rapid development of electronic commerce in 21th century, the expansion of the online trading market is also further strengthened. The secure and convenient third-party online payment method is used by more and more people as the settlement of online transactions. It has become the mainstream payment mode in the payment link of network transaction. At present, the related legislation of third-party online payment in our country has obviously lagged behind the development of the market. Therefore, it is urgent to perfect the relevant legal system to regulate the third-party online payment, in order to promote the further healthy development of the third party online payment and the whole electronic commerce in China. Based on the relevant legal theories of civil law and commercial law, this paper analyzes the legal relations of various subjects in third-party online payment by combining with the current situation of the development of third-party online payment in China, and adopting the research methods of induction and analysis. This paper focuses on various legal problems existing in third-party online payment, and puts forward further improvement countermeasures and legislative suggestions for legislation of third-party online payment in China. In addition to the introduction and conclusion, this article is divided into five parts. The first part, starting with the general situation of third-party online payment, analyzes and summarizes the application of third-party online payment in practice, and tries to give the basic meaning and classification of third-party online payment. Then it reveals the risk of third party online payment in our country. The second part, on the basis of analyzing the reasonable advantage of the third party online payment, negates the qualification of the third party online payment engaged in intermediary business. Furthermore, the third party online payment is recognized as the legal subject of non-bank financial institutions, so that the third party online payment is regulated by the payment liquidation organization. The third and fourth parts, through the analysis of the legal relationship among the legal subjects in the third-party online payment, the author makes an analysis and judgment on the principle of liability imputation and the effectiveness of the form clause in the third-party online payment. The security of funds in third-party online payment and the ownership of fruits generated by settling funds are discussed in detail. Third party online payment also has the legal obligation to protect users' privacy from illegal infringement and to bear the burden of proof in legal disputes. In the 5th part, this paper provides some legislative suggestions for the third party online payment, such as access mechanism, legal liability assumption and improvement of the legal system, combined with the reality of our country and the problems and shortcomings in the third party online payment. It provides a solid guarantee for the interests of all parties involved in the network transaction in our country and promotes the healthy and orderly development of the third party online payment and electronic commerce in our country.
【學(xué)位授予單位】：北方工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2011
【分類號(hào)】：D912.28

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