网上支付中的民事责任研究

On Civil Liabilities of Internet Payments

最高存储金额限制可以有效控制电子货币网上支付风险,但银行卡中的风险承担问题比较复杂。经济分析、比较研究和法学分析的结论是,我国银行卡风险承担规则应建立在有"责任限制"的无过错责任之上。未获授权使用时持卡人承担的责任应限制在1000元以内,至于超过限额以上的损失由发卡银行承担。

Maximum stored value is an efficient way to control risks of internet payment by electronic money,but electronic money involves many complicated private and public law issues.After discussing the definition and legal nature of electronic money,this article focuses on private law issues such as legal relationship,finality,adverse claims,issues in counterfeit electronic money,obligation of redemption,and public law issues such as legislative objectives,qualifications of issuing institution,supervision and anti-money laundering of electronic money.