本文選題：第三方電子支付 + 沉淀資金�。� 參考：《鄭州大學(xué)》2015年碩士論文

【摘要】：“法學(xué)是人類古老的學(xué)問,網(wǎng)絡(luò)是當(dāng)代新奇的發(fā)明�！眱烧哌M(jìn)行結(jié)合,推動了新型法律的發(fā)展,同時也給傳統(tǒng)的法律理論和法律制度帶來了始料未及的難題。目前對第三方電子支付的規(guī)定主要在金融監(jiān)管方面,相關(guān)的法律制定未能與快速發(fā)展的第三方電子支付行業(yè)齊頭并進(jìn),各方當(dāng)事人之間存在的民事法律關(guān)系仍不明確,沉淀資金及其利息的分配也缺少系統(tǒng)配套的法律法規(guī)。基于此,突破傳統(tǒng)民法思維、從實際出發(fā)完善我國第三方電子支付沉淀資金的配套立法、協(xié)調(diào)各方民事權(quán)益儼然具有重要意義。文章分為以下四大部分:第一部分從第三方電子支付沉淀資金的基本理論出發(fā),首先介紹了第三方電子支付的概念以及社會價值,指出第三方電子支付就是提供支付服務(wù)的非金融機(jī)構(gòu);其次嘗試“解剖麻雀”,明確第三方電子支付沉淀資金的內(nèi)涵包括“預(yù)收待付”和“實際收到”的資金;最后通過研究認(rèn)為第三方電子支付機(jī)構(gòu)與用戶之間形成的是委托代理法律關(guān)系,第三方電子支付機(jī)構(gòu)與銀行之間存在合作與托管關(guān)系。這一部分折射出中國在互聯(lián)網(wǎng)浪潮的推動下正在發(fā)生的經(jīng)濟(jì)轉(zhuǎn)型,為本文接下來的研究奠定了基礎(chǔ)。第二部分論述了第三方電子支付沉淀資金的權(quán)屬問題。首先,根據(jù)分析把沉淀資金的性質(zhì)界定為負(fù)債,進(jìn)一步明確沉淀資金并不適用“占有即所有”的原則,因此用戶對其享有所有權(quán);其次,第三方電子支付機(jī)構(gòu)沉淀資金所產(chǎn)生的利息是其運用電子支付體系,使傳統(tǒng)上由銀行獨占交易媒介所產(chǎn)生的交易成本減少了的那一部分。依據(jù)我國民法傳統(tǒng)理論所有物與孳生物的規(guī)定,沉淀資金作為法定孳息應(yīng)歸用戶所有,然而,理論與現(xiàn)實操作存在的困境,使得沉淀資金利息的具體分配陷入尷尬境地。第三部分從美國模式、歐盟模式、亞洲模式出發(fā)介紹了國外的相關(guān)立法及實踐經(jīng)驗,并結(jié)合我國的現(xiàn)行規(guī)定,對我國第三方電子支付沉淀資金的監(jiān)管現(xiàn)狀進(jìn)行評述。揭示出我國有關(guān)第三方電子支付沉淀資金的法律制度所存在的不足,其局限性主要表現(xiàn)在對沉淀資金監(jiān)管的法律位階太低、沉淀資金利息分配方面的規(guī)定太模糊、沉淀資金監(jiān)管的法律制度不完善三個方面。第四部分詳細(xì)構(gòu)思了該如何完善我國第三方電子支付沉淀資金法律制度。在提高非金融機(jī)構(gòu)支付服務(wù)的法律位階方面,建議推動法律先行,加快《非金融機(jī)構(gòu)支付服務(wù)法》、《非金融機(jī)構(gòu)沉淀資金存管條例》、《消費者沉淀資金保護(hù)法》等一系列法律法規(guī)的出臺,從法律的層面上來推動和保障第三方電子支付的發(fā)展;在明確第三方電子支付沉淀資金利息的權(quán)屬方面,提出增設(shè)電子支付結(jié)算合同或者成立專門的消費者保護(hù)基金等措施;在加強(qiáng)對第三方電子支付沉淀資金的管理方面,建議從完善外部監(jiān)管和加強(qiáng)內(nèi)部監(jiān)管兩個方面加強(qiáng)對第三方電子支付的監(jiān)管,以期探尋更加適合我國第三方電子支付行業(yè)發(fā)展的對策。
[Abstract]:"Law is the ancient knowledge of human beings, and the network is a new invention of the contemporary era." the combination of the two has promoted the development of the new law and brought the traditional legal theory and legal system unsolved. At present, the provisions of the third party electronic payment are mainly in the supervision of Golden thawing, and the relevant laws have not been made fast. The rapid development of the third party electronic payment industry goes side by side. The civil legal relations between the parties are still unclear. The distribution of the deposit funds and their interest is also lack of systematic laws and regulations. Based on this, we break through the traditional civil law thinking and improve the supporting legislation of the third party electronic payment in China from the reality. The article is divided into four parts: the first part, starting from the basic theory of the third party electronic payment, first introduces the concept and social value of the third party electronic payment, and points out that the third party electronic payment is a non-financial institution for the payment of the service; secondly, it tries to "solve the problem". "Caesarean sparrow", it is clear that the connotation of the third party electronic payment deposits includes the funds of "prepaid payment" and "actual receipt". Finally, it is considered that the relationship between the third party electronic payment institutions and the users is a principal-agent relationship, and the relationship between the third party electronic payment institutions and the banks is cooperative and trusteeship. In the second part, the second part discusses the ownership of the precipitated funds of the third party electronic payment. First, we define the nature of the precipitated funds as liabilities according to the analysis. All "principle, therefore, the user has the ownership of it; secondly, the interest generated by the third party electronic payment institutions precipitates the money is the part of its use of the electronic payment system, which is traditionally reduced by the transaction costs of the exclusive trading medium of the bank. As the legal fruits, the precipitation fund should be owned by the user. However, the dilemma of the theory and practical operation makes the specific distribution of the deposit interest into an awkward situation. The third part introduces the relevant legislation and practical experience of foreign countries from the American model, the European Union Model and the Asian model, and combines the current regulations of our country to our country. The current situation of the three party electronic payment of precipitated funds is reviewed. The shortcomings of the legal system of the third party's electronic payment of precipitated funds are revealed. The limitations of the legal system are mainly manifested in the low level of the legal position of the precipitated funds supervision, the vague stipulation of the interest distribution of the precipitated funds and the legal system for the regulation of the precipitation of funds. Not perfect three aspects. The fourth part of the detailed conception of how to improve the legal system of third party electronic payment precipitation in China. In improving the legal position of the non financial institutions payment service, it is suggested to promote the legal advance, speed up the non financial institutions payment service law, the non financial institution precipitation management regulations, and the settling capital of the consumers. A series of laws and regulations are introduced to promote and guarantee the development of the third party electronic payment from the legal level. In terms of the ownership of the interest of the third party's electronic payment, an electronic payment settlement contract or the establishment of a special consumer protection fund is proposed, and the electronic branch of the third party is strengthened. In the management of settling funds, it is suggested that the supervision of third party electronic payment should be strengthened from two aspects of improving the external supervision and strengthening the internal supervision, in order to explore the countermeasures which are more suitable for the development of the third party electronic payment industry in China.

【學(xué)位授予單位】：鄭州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：D922.28

【參考文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前2條

1 許歡;第三方電子支付的責(zé)任歸屬研究[D];上海交通大學(xué);2011年

2 劉欣欣;第三方支付沉淀資金利息稅收法律制度研究[D];重慶大學(xué);2012年

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本文編號：1823650