电商平台分期付款的法律争议与监管对策  

Legal Disputes and Supervision Countermeasures of the Installments of E-Commerce Platforms

作　　者：马艳丽[1,2] 

机构地区：[1]西南政法大学经济法学院,重庆401120 [2]中央司法警官学院,河北保定071000

出　　处：《金融发展研究》2016年第10期59-64,共6页Journal Of Financial Development Research

基　　金：2012年国家社科基金资助项目"新时期金融法变革中的消费者保护研究"(12AFX012)

摘　　要：随着互联网金融的发展,电商平台分期付款产品迅速占据互联网消费市场,对传统的消费金融市场秩序造成了极大冲击,电商平台分期付款高速发展的过程中也产生了性质界定模糊、作为征信主体的合法性存在争议等法律问题。为了营造良好的互联网消费环境,应对电商平台分期付款予以依法、适度、创新监管,完善监管法律制度及信息披露和纠纷解决机制。With the development of internet finance, the installments products of e-commerce platforms rapidly occupies the internet finance consumption market, which brings a huge impact on the traditional consumption finance market order. In the process of rapid development of installments on the e-commerce platforms, legal problems such as fuzzy boundary definitions and disputes over the legal existence as the credit subjects arise. In order to build up a fine online consumption environment, the installments on the e-commerce platforms should be legally, moderately and innovatively supervised. The supervision legal institutions, information disclosure and dispute resolution mechanisms should be improved.

关 键 词：互联网金融 电商平台 分期付款 消费 监管 

分 类 号：F830[经济管理—金融学]