网络第三方支付中消费者权益保护法律问题研究

Research on Legal Issues of Consumer Rights and Interests Protection in Online Third-Party Payment

摘要: 随着电子信息技术的高速发展，人们逐渐习惯于使用第三方支付平台进行购物消费。但是消费者在使用第三方支付平台的时候，由于网络病毒、监管不足、相关法律法规不完善等问题，会存在消费者资金安全、个人信息泄露等问题，并且在维权时相较于支付平台一方，消费者会存在信息不对称以及不能举证的问题。所以，为了维护消费者权益、促进行业的良性发展，可以从完善监管、制定相对应的法律法规、合理分配举证责任等方面来完善在网络第三方支付中消费者权益的保护。

Abstract: With the rapid development of electronic information technology, people are gradually accustomed to using the third-party payment platform for shopping consumption. However, when consumers use the third-party payment platform, due to network viruses, insufficient supervision, imperfect laws and regulations, there will be problems such as consumer fund security and personal information disclosure, and when protecting their rights, consumers will have problems such as information asymmetry and inability to provide evidence compared with the payment platform. Therefore, in order to safeguard the rights and interests of consumers and promote the healthy development of the industry, the protection of consumers’ rights and interests in online third-party payment can be improved from the aspects of improving supervision, formulating corresponding laws and regulations, and reasonably allocating the burden of proof.