第三方电子支付中的责任归属问题研究  

Third-party Electronic Payment Attribution of Responsibilities

作　　者：马新彦[1] 戴嘉宜[1] 

机构地区：[1]吉林大学法学院,吉林长春130012

出　　处：《东北师大学报（哲学社会科学版）》2014年第3期82-86,共5页Journal of Northeast Normal University(Philosophy and Social Science Edition)

基　　金：国家社科基金项目(13BFX092)

摘　　要：随着时代的发展,金融业服务的模式也在不断地发生改变,第三方网络支付就是金融服务的新型模式之一。但是与电子支付的飞速发展相比,我国相关法律法规的制定却处于滞后的状态,这不仅会导致纠纷出现时归责不清,也会阻碍第三方电子支付业的发展。所以笔者试图从未经授权划拨、经授权划拨和是否可以以不可抗力来免责三个方面对电子交易中第三方电子支付服务商应承担什么责任的问题进行了研究,并参考国外较为成型的现有法律法规,明确了电子交易中第三方电子支付服务商的责任归属问题,希望能够对完善我国电子支付业的法律监管提供一些意见,确保我国第三方电子支付业的健康发展。With the development of the financial services industry patterns are constantly changing, third-party online payment is one of a new model of financial services. However,China＇s relevant laws and regulations are outdated,which will cause unclear responsibilities ,and hinder the development of third-party electronic payment industry. So this is more molding existing reference to foreign laws and regulations, specifically the electronic trading third-party electronic payment service provider＇s responsibility attribution,hoping to improve our payment electronic payment industry,legal supervision, to ensure that our third-party electronic payment industry healthy development.

关 键 词：第三方支付平台 电子支付 责任归属 

分 类 号：D923.42[政治法律—民商法学]