电子商务背景下第三方网络支付的法律完善研究

Research on the Legal Improvement of Third-Party Online Payment under the Background of E-Commerce

摘要: 随着网络技术的飞速发展，电子商务日益繁荣，第三方网络支付作为其重要支撑，在社会经济生活中的作用愈发凸显。然而，相较于第三方网络支付技术与模式的快速演进，我国现行法律体系和监管实践却较为滞后，不仅难以有效回应新兴支付行为的合规治理需求，还在一定程度上掣肘电子商务的高质量发展，增加了社会管理和交易成本。因此，亟须立足于第三方网络支付的发展实践，厘清其法律性质、功能特征及演进路径，深入探讨其与电子商务的互动关系，分析其面临的主要法律问题，并从立法完善和监管优化层面提出针对性建议，为第三方网络支付提供制度保障，促进电子商务经济实现可持续发展。

Abstract: With the rapid development of network technology, e-commerce is increasingly prosperous. As an important support for it, third-party online payment has increasingly become a cornerstone of socio-economic life. However, compared to the rapid evolution of third-party online payment technologies and models, China’s current legal framework and regulatory practices lag behind, failing to effectively address the compliance governance needs of emerging payment behaviors. This not only hinders the high-quality development of e-commerce but also increases social management and transaction costs. Therefore, it is imperative to ground our analysis in the practical development of third-party online payment, clarify their legal nature, functional characteristics, and evolutionary trajectory, conduct an in-depth exploration of their interactive relationship with e-commerce, analyze the primary legal issues they face, and propose targeted recommendations from the perspectives of legislative improvement and regulatory optimization. This will provide institutional safeguards for third-party online payment and promote the sustainable development of the e-commerce economy.