中图分类号:D913 单位代码:10425 学 学 号:S15100920 电子商务中第三方支付的民事法律问题研究 Research on civil legal issues of the third-party payment in e-commerce 学科专业: 法学 研究方向: 民商法学 作者姓名: 周晓晓 指导教师: 田国兴 副教授 二〇一七年六月 万方数据 Research on civil legal issues of the third-party payment in e-commerce A Thesis Submitted for the Degree of Master Candidate :Zhou Xiaoxiao Supervisor :Tian Guoxing Associate Professor College of Arts China University of Petroleum (East China) June,2017万方数据 万方数据 i 摘 要 近年来,随着电子商务的快速发展,第三方支付作为一种新型支付手段已经成为电子商务中的重要组成部分。第三方支付在交易双方之间建立了一种方便、快捷、有效、低成本的资金转让方式,有效缓解了电子交易中的支付压力。然而,第三方支付在给我们带来便捷的同时,也隐藏着交易风险和安全隐患等问题,我国关于第三方支付的法律法规依然缺失,与高速发展的电子商务发展相比,具有滞后性。因此,如何解决第三方支付中存在的民事法律问题,维护第三方支付中交易双方的合法利益,对于推进我国电子商务的健康发展具有举足轻重的作用。 论文从第三方支付的概述入手,对我国第三方支付中存在的民事法律问题进行论述,并比较分析国内外的立法实践,通过借鉴国外第三方支付的主要法律制度,提出完善我国第三方支付民事法律制度的建议。 论文第一章对电子商务中第三方支付进行概述,主要从第三方支付的概念、分类和第三方支付中的民事法律关系进行分析。 论文第二章主要论述我国电子商务中第三方支付的立法现状及存在的民事法律问题。首先,介绍我国第三方支付的立法现状。其次,主要介绍我国第三方支付中存在的民事法律问题,主要包括客户备付金及其孳息的法律归属问题,消费者权益保障问题以及第三方支付中的民事法律责任问题。 论文第三章论述国外电子商务中第三方支付民事法律制度。主要介绍国外关于第三方支付的民事立法以及实践经验,并由此得出启示。 论文第四章探讨解决我国电子商务中第三方支付存在的民事法律问题的建议。主要结合域外的法律规定和实践经验,从完善第三方支付中客户备付金及其孳息归属的民事法律制度,完善消费者权益保障的法律制度以及完善第三方支付中的民事法律责任制度等三个方面提出法律建议。 关键词:第三方支付;客户备付金;消费者权益;民事责任 万方数据 ii Abstract In recent years, with the rapid development of e-commerce, the third-party payment ,as a new means of payment, has been an important part of e-commerce. The third-party payment establishes a convenient, fast, efficient, low-cost way of capital transfer between the parties of the transaction, and effectively ease the pressure on the payment of electronic transactions. However, when the third-party payment brings convenience to us ,it also hides the transaction risks and security risks and other issues. Our country’s laws and regulations about the third-party payment are still missing. Compared with the rapid development of electronic commerce, it has lagged behind. Therefore, how to solve the civil legal problems existing in the third-party payment and protect the legitimate interests of the parties in the third party payment is important to the healthy development of e-commerce in China. This article starts from the overview of the third-party payment, discuss the civil legal problems of China's third-party payment, compare and analysis the legislative practice at home and abroad, and then put forward some ideas to perfect the third-party payment civil legal system of our country. Chapter one starts from the overview of the third-party payment in electronic commerce, mainly introducing the concept, classification and the civil legal relationship of the third-party payment. Chapter two mainly discusses the status quo of China's legislation of the third-party payment and the main civil legal problems of it. Firstly, this article introduces the current situation of the legislation of the third party payment in our country. Secondly, this article introduces the civil legal problems of the third-party payment in our country, including the legal ownership of client’s reserves and its fruits, the protection of consumer's right and the distribution of civil liability of the third-party payment. Chapter three discusses the third-party payment legal system of other foreign countries. It mainly introduces the legislation and practical experience about the third-party payment of other foreign countries , and then draws inspiration from it. 万方数据 iii Chapter four discusses the proposal to solve the civil legal problems in the third-party payment of e-commerce in our country,including perfecting the civil legal system of the client 's reserves and its fruits, perfecting the legal system of protecting the rights and interests of consumers and perfecting the civil liability system of the third-party payment. Keywords:The third-party payment; Client’s reserves; Consumers' rights and interests; Civil liability 万方数据 iv 目 录 导 论............................................................................................................................ 1 一、研究背景及意义............................................................................................. 1 (一)研究背景.............................................................................................. 1 (二)研究意义.............................................................................................. 1 二、国内外研究现状............................................................................................. 2 (一)国内研究现状...................................................................................... 2 (二)国外研究现状...................................................................................... 4 三、研究方法及论文创新性................................................................................. 4 (一)研究方法.............................................................................................. 4 (二)论文创新性.......................................................................................... 5 第一章 电子商务中第三方支付概述........................................................................ 6 一、第三方支付的概念......................................................................................... 6 二、第三方支付的分类......................................................................................... 6 (一)网关型第三方支付和信用担保型第三方支付.................................. 6 (二)独立的第三方支付和非独立的第三方支付...................................... 7 三、第三方支付中的民事法律关系..................................................................... 7 (一)第三方支付的参与主体...................................................................... 8 (二)第三方支付涉及的民事法律关系...................................................... 8 第二章 我国电子商务中第三方支付的立法现状及存在的民事法律问题.......... 12 一、我国第三方支付的立法现状....................................................................... 12 二、我国第三方支付中存在的民事法律问题................................................... 13 (一)客户备付金及其孳息引发的民事法律问题.................................... 13 (二)第三方支付消费者权益保障面临的法律问题................................ 15 (三)第三方支付民事法律责任制度存在的法律问题............................ 18 第三章 国外电子商务中第三方支付民事法律制度考察及启示.......................... 23 一、国外第三方支付民事法律制度考察........................................................... 23 (一)美国.................................................................................................... 23 万方数据 v (二)欧盟.................................................................................................... 24 (三)澳大利亚............................................................................................ 26 (四)亚洲国家............................................................................................ 26 二、国外相关法律制度对我国的启示............................................................... 27 第四章 解决我国电子商务中第三方支付存在的民事法律问题的建议.............. 29 一、完善第三方支付中客户备付金及其孳息归属的民事法律制度............... 29 (一)明确第三方支付中客户备付金的法律属性.................................... 29 (二)明确第三方支付中客户备付金孳息的法律权属............................ 30 (三)完善第三方支付中客户备付金及其孳息的分配制度.................... 30 二、完善第三方支付中消费者权益保障的法律制度....................................... 31 (一)加强对第三方支付中消费者个人信息的保护................................ 31 (二)完善信息披露法律制度,加强对第三方支付中消费者知情权的保护.................................................................................................................... 32 (三)完善第三方支付纠纷解决机制........................................................ 33 三、完善第三方支付中的民事法律责任制度................................................... 35 (一)厘清第三方支付各参与主体的民事责任........................................ 36 (二)完善第三方支付中的支付瑕疵民事责任制度................................ 38 (三)完善第三方支付中的未经授权支付民事责任制度........................ 41 结 论.......................................................................................................................... 43 参考文献...................................................................................................................... 44 攻读硕士学位期间取得的学术成果.......................................................................... 47 致 谢.......................................................................................................................... 48 万方数据 中国石油大学(华东)硕士学位