第三方支付相关法律问题研究

Study on the Legal Issues Related to Third-party Payment

第三方支付解决了网络购物过程中资金和货物的安全以及买卖双方的信任问题,解决了制约网络购物发展的瓶颈问题。但是第三方支付同时也存在很多问题,比如第三方支付的性质如何,处于何种法律地位,与其他当事人存在何种法律关系,沉淀资金及其孳息的归属以及保全的问题,对于这些问题法律都没有做出明确的规定。监管不到位制约了第三方支付的发展,所以本文旨在分析这些问题。

Third-party payment solved the security of funds and goods and the credit about buyers and sellers in the online shopping process, which restricts development of online shopping. But there are also many problems, such as the nature, the legal status of the third party payment, what kind of legal relations with other parties, deposit funds and its fruits of attribution and preservation issues; laws do not make explicit provision for these issues. Regulation in place restricts the development of third-party payment, so this article provides an analysis on these issues.