孳息权属认定——基于第三方支付虚拟账户沉淀资金的探析  

Determination of interest's ownership: analysis of the third party payment's virtual account on deposited funds

作　　者：李磊[1] 

机构地区：[1]安徽财经大学法学院,安徽蚌埠233000

出　　处：《安徽理工大学学报（社会科学版）》2015年第3期15-19,共5页Journal of Anhui University of Science and Technology:Social Science

摘　　要：第三方支付虚拟账户的沉淀资金在电子商务发展中凸显出越来越多的问题。然而沉淀资金的法律性质模糊,孳息权属混乱,加之我国相关立法欠缺,监督管理体系滞后,直接阻碍网络第三方支付的安全性和可靠性。根据现行法规,第三方支付平台与用户间属于混藏保管合同关系,虚拟账户沉淀资金应认定为债权,依据第三方支付平台与用户间的协议,孳息权属于前者。为了有力地促进我国电子商务蓬勃发展,我国应该完善相关立法体系,建立科学监管制度,实现沉淀资金法理和实践上的统一,提升用户资金的安全性。The third - party payment of virtual accounts＇ deposited funds is causing increasing problems in e - commerce development. However, confused legal nature of deposited funds and chaotic interest of ownership, as well as the lag of supervision and management system directly impede the security and reliability of the third party payment. According to current regulations, relationships between users and the third party payment belong to mixed reservoir safekeeping contracts. Virtual accounts＇ deposited funds should be recognized as creditors＇ rights. Based on the registered agreements between users and third party payment, interest belongs to the former. In order to effectively promote the development of e - commerce, our country should improve legislation, and establish scientific supervision system so as to realize the unity of theory and practice of operation and to enhance the safety of users＇ funds.

关 键 词：虚拟账户 沉淀资金 保管合同 孳息 支付宝 

分 类 号：D923.6[政治法律—民商法学]