發(fā)布時間：2018-01-18 07:28

  本文關(guān)鍵詞：電子商務(wù)第三方支付平臺法律問題研究　出處：《長春工業(yè)大學》2017年碩士論文　論文類型：學位論文

  更多相關(guān)文章： 電子商務(wù) 第三方支付平臺 法律規(guī)制

【摘要】：近年來,隨著互聯(lián)網(wǎng)的普及和網(wǎng)上支付的使用,人們改變了傳統(tǒng)的交易方式,電子商務(wù)成為和以往交易方式不同的一種全新的商業(yè)運作模式,成為了當代國際商務(wù)往來和各國經(jīng)濟活動的主流交易方式。美歐諸國由于出現(xiàn)電子商務(wù)時間早,在第三方支付的法律規(guī)制方面走在前列。值得重視的是,當前中國網(wǎng)上支付的立法明顯滯后于市場的發(fā)展。縱觀現(xiàn)有法律,有關(guān)網(wǎng)上支付的立法非常缺乏,僅限于一些部門規(guī)章和政策,立法效力等級較低,而且關(guān)注方面主要集中在銀行與企業(yè)和網(wǎng)上銀行的規(guī)制方面。對于第三方支付的法律地位、監(jiān)管等諸多問題均未作立法規(guī)范。因此,研究和參照美歐諸國相關(guān)立法完善中國第三方支付領(lǐng)域的法律規(guī)定已是必要。本文基于國內(nèi)外研究成果,對第三方支付平臺的概念、優(yōu)勢與劣勢進行簡要地介紹,同時對第三方支付平臺的參與主體及法律關(guān)系進行分析;其次,對我國電子商務(wù)中第三方支付平臺法律現(xiàn)狀及存在問題展開分析,結(jié)合具體案例,發(fā)現(xiàn)我國第三方支付平臺在法律方面存在較大的漏洞;最后,借鑒美國和歐盟的成功經(jīng)驗,提出有利于健全我國第三方支付平臺法律規(guī)制的建議與對策。
[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.
【學位授予單位】：長春工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：D922.28;D922.294

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