第三方支付平台沉淀资金及利息之法律权属初探——以支付宝为样本  

A Discussion on the Ownership of the Depositing Fund and Its Interests of the Third Party Payment Platform——With Pay Treasure as the sample

作　　者：张春燕[1] 

机构地区：[1]北京大学法学院,北京100871

出　　处：《河北法学》2011年第3期78-84,共7页Hebei Law Science

基　　金：刘燕教授主持的教育部课题<上市公司财务运作的法律规制>(JA820001)的阶段性研究成果

摘　　要：与电子商务配套的第三方网上支付平台的出现,产生了新的财产法问题,即因交易延时支付所导致的资金沉淀在第三方支付平台营运商手中,围绕该资金及其利息的所有权归属,实务中以及法理层面都存在争议。以支付宝为样本进行分析,认为第三方支付平台沉淀资金构成了消费者的信托财产,其利息收入也应当归消费者所有,第三方支付平台营运商对此无权擅自占有和使用。同时,考虑到将该部分利息收入分配给消费者所产生的高成本,可借鉴我国对新股申购冻结资金利息的处理方式,将沉淀资金的利息收入划归消费者权益保护机构的资金来源,由此在理论上实现了沉淀资金权属的逻辑自给,在实践中也有助于提升对消费者权益的保护。As the packaged technology for the E-commerce, the third-party payment platform brought new problems to the property law. For example, the ownership of the depositing fund and its interests which are resulting from the transaction payment delay and finally are in the hands of the third-party payment operators is a focus of the dispute. This paper tries to explain with Pay Treasure as the sample that the depositing fund and its interests constitute the trust property of consumers which cannot be possessed and csed by the third-party payment platform. In addition, taking into account the high administrative costs of distributing the interests to consumers, we should use the experience of the new stock purchase transactions for reference. That is, the interests of the depositing fund should be placed under the consumer protection organizations as a specific fund origin. If so, the theoretical self-sufficiency of the ownership of the depositing fund would be realized and the practical protection to consumer interests would also be promoted.

关 键 词：第三方支付平台 沉淀资金利息 支付宝 所有权 孳息 

分 类 号：F830.49[经济管理—金融学]