互联网金融背景下第三方支付的法律问题

Legal Issues of Third-Party Payments in the Context of Internet Finance

摘要: 电子商务的发展由互联网金融的发展所推动，传统的支付方式已经无法适应此种新变化，第三方支付的产生是电子商务发展到一定阶段的必然产物。但第三方支付依托互联网技术而生，在交易过程中存在支付安全问题、消费者信息保护问题、沉淀资金的管理问题。本文将在互联网金融的背景下，厘清第三方支付的概念，探讨第三方支付交易过程出现的问题，剖析我国目前对第三方支付的法律监管体系，分析互联网金融第三方支付的相关法律问题，提出完善第三方支付市场的准入和退出机制、促进消费者权益保护以及提高第三方支付立法位阶等建议。

Abstract: The development of Internet finance promotes the development of e-commerce. Traditional payment methods can no longer adapt to this new change and meet people’s consumption needs. The emergence of third-party payment is an inevitable outcome when e-commerce develops to a certain stage. However, third-party payment is based on Internet technology. In the process of transaction, there are payment security problems, consumer information protection problems and precipitation fund management problems. This paper will start with the concept of third-party payment, discuss the problems in the process of third-party payment, analyze the current legal supervision system of third-party payment in China, and analyze the relevant legal problems of Internet financial third-party payment under the background of the Internet finance. Suggestions are put forward to improve the access and exit mechanism of the third-party payment market, promote the protection of consumer rights and interests and improve the legislative level of the third-party payment.