电商支付平台财产权益保护相关问题研究

Research on Issues Related to the Protection of Property Rights and Interests on E-Commerce Payment Platforms

摘要: 数字经济推动网络支付与电商深度融合，财产流转呈现自动化、隐蔽化特征，传统法律规制难以适配新型交易场景。本文聚焦电商支付财产权益保护、平台责任界定与法律规则适配问题，发现传统以主观认知为核心的审查逻辑，引发权责划分模糊、平台责任不清、法律适用不统一，扰乱数字经济交易秩序。对此，文章提出优化路径，通过构建客观化财产流转审查标准，细化电商平台与支付机构法律责任，完善数字财产保护规则。研究表明，立足数字经济特征重构法律规制逻辑、强化民行法规制效能，可全面保护数字财产权益，化解法律冲突，推动数字经济与法治建设协同发展，为数字经济高质量发展提供法律保障。

Abstract: The digital economy has integrated online payment and e-commerce, bringing automated and concealed property transfer that challenges traditional legal regulation. This paper examines property rights protection, platform liability, and legal adaptation in e-commerce payment. It finds that the traditional subjective cognition-based review logic causes unclear responsibilities, ambiguous platform liability, and inconsistent legal application, disrupting digital economic order. To solve these issues, the paper proposes objective property transfer review standards, clarified legal liabilities for platforms and payment institutions, and improved digital property protection rules. It concludes that reconstructing legal regulation tailored to the digital economy and enhancing civil and administrative regulatory effects can effectively safeguard digital property rights, resolve legal conflicts, and support the high-quality development of the digital economy.