第三方网络支付法律监管研究

Research on Legal Regulation of Third-Party Internet Payment

摘要: 第三方网络支付作为我国电子商务领域的主要支付方式，我国相关监管和立法已明显滞后于第三方网络支付的爆炸式增长，笔者认为对第三方网络支付进行法律监管研究具有极大的必要性与急迫性。本文以第三方网络支付的界定为基础，探讨目前我国法律法规对第三方网络支付的监管现状与现行监管体制的不足之处，并对目前监管体制提出制定更高位阶的法律规范、明确沉淀资金孳息的权属以及保障消费者在第三方网络支付中的权益等完善建议，期冀促进网络支付健康发展。

Abstract: Third-party online payment, as the main payment method in China’s e-commerce field, has experienced explosive growth, but the relevant regulation and legislation in China have lagged behind significantly. Therefore, it is of great necessity and urgency to conduct legal regulation research on third-party online payment. Based on the definition of third-party online payment, this paper discusses the current regulatory status and the shortcomings of the current regulatory system regarding third-party online payment in China’s laws and regulations, and puts forward suggestions for improving the current regulatory system, such as formulating higher-level legal norms, clarifying the ownership of accumulated funds’ interest, and safeguarding the rights and interests of consumers in third-party online payment. The aim is to promote the healthy development of online payment.