电子商务领域网络支付的经济逻辑与法律规制研究

Research on the Economic Logic and Legal Regulation of Online Payment in the E-Commerce Field

摘要: 本文以电子商务领域的网络支付为研究对象，伴随着计算机科学技术与数字经济的持续发展，网络支付已经成为现代社会支付的主流模式之一，也成为了电子商务交易闭环的核心支撑，其独特的经济价值与法律风险的双重属性日益明显。本文基于中国第三方支付的市场实践出发，从网络支付的经济逻辑与法律规制的双重视角进行分析。在经济层面，网络支付通过降低交易成本、提升市场效率、形成了规模效应与网络效应，显著推动了电子商务经济的快速发展；在法律层面，伴随着《电子商务法》等法律法规的实施，网络支付逐步走向规范，但是仍然存在许多现实的挑战。伴随着中国电子商务规模持续扩大，中国电子钱包交易规模已经位于全球首位。本文针对我国电子商务经济的发展和网络支付规制体系进行研究，对网络支付的规制体系的完善提出建议，以促进经济效率与法律发展的良性互动，推动电商经济的持续发展，为平衡支付创新与经济安全提供相应的理论支撑。

Abstract: This article takes online payment in the e-commerce field as the research object. With the continuous development of computer science and technology and the digital economy, online payment has become one of the mainstream payment methods in modern society and a core support for the e-commerce transaction cycle. Its dual attributes of unique economic value and legal risks have become increasingly prominent. Based on the market practice of China’s third-party payment, this article analyzes from the dual perspectives of the economic logic and legal regulation of online payment. At the economic level, online payment has significantly promoted the rapid development of the e-commerce economy by reducing transaction costs, improving market efficiency, and forming scale and network effects. At the legal level, with the implementation of laws and regulations such as the E-commerce Law, online payment has gradually become standardized, but there are still many practical challenges. With the continuous expansion of China’s e-commerce scale, the transaction volume of China’s electronic wallets has ranked first in the world. This article studies the development of China’s e-commerce economy and the regulatory system of online payment, and puts forward suggestions for improving the regulatory system of online payment to promote the benign interaction between economic efficiency and legal development, drive the continuous development of the e-commerce economy, and provide corresponding theoretical support for balancing payment innovation and economic security.