互联网金融背景下的微信红包法律风险及防范-经济法学专业论文.docxVIP

互联网金融背景下的微信红包法律风险及防范摘要 互联网金融背景下的微信红包法律风险及防范 摘要 支付可以说是现代金融体系的根基，没有现代化的支付方式也就没有现代庞 大的互联网金融体系，而移动支付更是互联网金融发展和繁荣的必然选择。微信 支付便是移动支付的一种，微信支付之所以会受到如此广泛的关注和使用，主要 原因还是微信红包的带动作用。微信红包发展至今已有规模较大的固定用户，也 正由于其与我们日常生活密切联系，导致人们极容易忽略其实质是互联网金融创 新产品的一种，微信红包是腾讯公司在微信平台上开发的一款可以用于发红包、 收红包以及提现等的应用程序，看似只是将传统的包现金红包的行为移植到互联 网上，然而“红包的概念掩盖了其互联网金融的属性，实际上微信红包是微信 进攻互联网金融的重要战略，其在金融效率、实现普惠金融等方面体现出极大的 优势，然而用户对微信红包狂热追捧的背后，存在较多法律争议问题，如微信红 包与赠与合同的关系难以界定，微信红包收发过程中产生的沉淀资金及其孳息的 归属不明确等。另外，作为互联网金融新型产物之一的微信红包面临着包括法律 政策，技术安全，刑事犯罪等方面的一系列法律风险，严重威胁着消费者各方面 权益，亟需通过互联网金融领域的法制完善予以防范，以促进互联网金融的持续 创新及健康发展。 关键词：微信红包；互联网金融；法律风险防范 万方数据 硕士学位论文Abstract 硕士学位论文 Abstract The payment can be said to be the foundation of modern financial system，there is no modernization of payment there would be no modern internet financial system， and mobile payments is the inevitable choice of the Internet financial development and prosperity．WeChat pay is a kind of mobile payment，but the reason why WeChat pay aroused such a wide attention is the widely use of the popularity of the Red Envelopes in the WeChat．The Red Envelopes in the WeChat has been developed a lot of fixed users，on the other hand，it is closely connected with our daily life，and that’S why most of people may ignore its financial essence．The Red Envelopes in the WeChat is one of program that Tencent Company invented，which can send or receive a red envelope，even can withdraw deposit．It seemingly just transplante the traditionaj behavior of give or receive a red envelopes to the Internet，however，the concept of ”red envelopes”covered up its Internet financial attributes，actually The Red Envelopes in the WeChat is an important strategy that WeChat invade the internet financial，it showed great advantage in the financial efficiency and the realizing of the Inclusive Finance．but behind the frenzy of the Red Envelopes in the WeChat，there is lots of legal controversy,such as it is difficult to define the relationship between the Red Envelopes in the WeChat and the Bestowal Contract，and the a