摘 要
随着社会的发展和网络技术的广泛运用，网上支付这一新兴的平台跃然于大众视野之中。在线第三方支付平台很好的促进了交易的发展。但由于这方面的立法和行政管理的不完善导致了法律漏洞出现，使得在交易中出现的很多问题都无法解决，例如资金支付风险，用户的信息保护，沉淀资金的性质争议。关于第三方支付产生的相关法律问题成为了电子商务保护的焦点和难点问题。本文主要对在线第三方支付平台存在的问题进行分析，提出完善在线第三方支付平台的立法及监管建议，同时借鉴外国经验和理论原则，以促进在线第三方支付平台的良性发展。
关键词：第三方支付平台； 资金安全； 法律问题； 沉淀资金利息
Abstract
With the development of the society and the extensive application of the network technology, the newborn thing online payment has aroused wide public interest. Online transaction has been substantially promoted by third party payment platform. However, the imperfect legislative and administrative have leaded to some legal loophole, which had brought plenty unsolvable problems such as the risk of payment, the protection of the user’s information and the dispute of the precipitation funds’ nature during the online trading. Therefore, the legal issues relating to the third party payment have become the focus and key problems of the protection of the E-commerce. This paper has mainly analyzed the existing problem of the third party payment platform, and proposed legislative and regulatory recommendations to consummate the third party payment platform. Meanwhile, the foreign experience and theoretical principles has been referred to promote the sound development of the third party payment platform.
Key words: The third-party platform； Capital safety； Legal issues；
Precipitation capital interest；
目录
