第三方电子支付法律风险责任研究.pdfVIP

摘要 摘 要 中国的第三方电子支付，已经经历了多年的快速发展，它使得网络交易更 加的便利与安全。然而，新事物的迅猛发展也总伴随着新问题的出现。2010 年 中国人民银行出台了《非金融机构支付管理办法》及其《实施细则》，第三方电 子支付终于有了规范性文件来予以监管，但是毕竟第三方电子支付是涉及计算 机、互联网等专业性极强的新兴领域，其法律问题是十分复杂与棘手的。本文 通过对第三方电子支付中各参与主体法律关系的分析，找出其中存在的法律风 险责任，进而总结出有效的风险责任分配与化解机制。 本文认为第三方电子支付过程当中，各参与方之间的权利义务关系是建立 在一系列合同之上的，其中存在的法律风险主要有未经授权支付风险、支付瑕 疵风险以及沉淀资金风险。考虑到各参与方对风险的控制能力、预测能力以及 经济承受能力的大小，对于以上风险可能产生的责任应主要由拥有技术、资金 优势的第三方电子支付平台来承担，以强化对处于弱势地位的用户的保护。同 时为了保证处于发展黄金期第三方电子支付行业能够健康发展，用户在出现过 错的情况下也应承担相应限额的责任。 关键词：第三方电子支付；法律风险；支付瑕疵；责任 II 万方数据 Abstract ABSTRACT The third-party electronic payment has developed for many years in china.It makes the online trade become more convenience and more secure.But new things there are always new problems.People ’s bank of China brought out the non-financial payment services management method and related detailed rules in 2010,the regulatory of the third-party electronic payment has fundamentally changed.But after all,it is a so professional emerging areas,the legal issues of it are very complex.This dissertation gets the legal relation of the parties which related to the third-party electronic payment to shape and finds out the legal risk in it.Then refer to the abroad experience to find out how to defuse the risk in China. This dissertation argues that the rights and duties in the relationship between the participants involved in the third-party payment is based