第三方电子支付风险的法律分析

Legal Analysis on the Risks of The Third Party Electronic Payment

我国对第三方电子支付的法律规制主要在金融监管方面,而各当事方的民事法律关系仍不清晰,由此产生大量法律风险,包括未经授权的支付风险、支付瑕疵风险、基础交易的抗辩延伸风险、资金沉淀风险等。在风险分配与化解方面,若适用一般合同法或侵权法原则,可能会造成各当事方之间的利益不平衡。因此,应突破传统民法思维,从实际出发进行第三方电子支付的专门立法,协调各方民事权益,促进第三方电子支付产业的发展。

In our country,the legal legislation of the third-party electronic payment focuses on the financial supervision,but the civil legal relationship of the parties remains indefinite and a lot of legal risks are turned out,which stem from unauthorized payment,payment flaws,the extending flea of basic transaction,funds precipitation,and so on.If principles of contract law or tort law are applied to distribute or dissolve the risks,the parties' interests may become unbalanced.Therefore,to coordinate the parties' rights and to promote the third party electronic payment industry,traditional civil thinkings should be changed,and the third party payment laws should be made on the basis of a practical point of view.