第三方支付平台的法律基础分析  

An Analysis of the Legal Basis of Third-Party Payment Platforms

作　　者：李政辉[1] 张宁人 

机构地区：[1]浙江财经大学法学院,浙江杭州310018

出　　处：《福建江夏学院学报》2016年第5期48-58,共11页Journal of Fujian Jiangxia University

基　　金：司法部国家法治与法学理论研究项目(15SFB5027)

摘　　要：互联网金融的兴起得益于电子商务的支付需求和网络时代金融模式的变革,催生了电子支付的快速发展。第三方支付业务作为电子支付的主要模式得到了高速增长,相关配套法律法规也已陆续颁布施行,但法律对第三方支付平台的法律属性并未准确厘定,导致了诸多法律问题。通过分析第三方支付业务的特征,第三方支付与用户之间应为信托法律关系,且从第三方支付平台所开展业务,可认定其法律属性应为非银行类金融机构。由此,可对第三方支付平台进行相应立法。The rise of the internet-based finance is benefited from the payment demands of the e-commerce and the change of the finance model in the nternet age,which gives birth to the rapid development of electronic payment.Third-party payment service as the main mode of the electronic payment has been in a high-speed growth and the related laws and regulations have been promulgated.However,the legal attribute of the third-party payment platform has not been accurately determined,which leads to many legal problems.The analysis of the characteristics of the third-party payment services leads to the conception that the relationship between third-party payment platforms and users should be the trust legal relationship.And the services carried out by the third-party payment platform determine that its legal attribute should be Non-bank financial institution.Thus,the third-party payment platform can be correspondingly legislated.

关 键 词：互联网金融 第三方支付平台 法律属性 

分 类 号：F724.6[经济管理—产业经济] D922.28[政治法律—经济法学]