电商平台个人信用支付产品法律探析  

Legal Analysis on Personal Credit Payment Products of E-commerce Platform

作　　者：李娜[1] 

机构地区：[1]湖南师范大学法学院,长沙410081

出　　处：《嘉应学院学报》2017年第6期45-49,共5页Journal of Jiaying University

摘　　要：为提升网购用户的消费力,各大电商平台适时开发具有借贷功能的个人信用支付产品。在互联网立法背景之下,通过分析个人信用支付产品的法律属性及其存在的信息安全、信用违约、资金套现与洗钱法律风险,提出加强用户主体信息安全监管、完善互联网征信系统建设、引导信用支付产品合规发展等相关应对策略,进而充分保护电商平台与网购消费者的合法权益。E-commerce platforms timely develop personal credit payment products which have borrowing function to enhance its online users＇ spending power. Through analysis on the legal attribute of personal credit payment products and its＇ information security, credit default, funds and money laundering legal risk in the internet legislation background, this peper puts forward related strategies such as strengthening the security of user information supervision, improving the internet credit reference system, guiding the development of credit payment product compliance to sufficient protect the legitimate rights of e-commerce platform and online consumers.

关 键 词：电商平台 信用违约 征信系统 

分 类 号：D923[政治法律—民商法学]