债法视阙下第三方支付中沉淀资金利息的归属与使用——以最新《支付宝服务协议》、《财付通服务协议》为分析样本

Belonging and Using of Funds and Interests Kept in the Third-party Payment in View of Law of Obligation——with the latest“Alipay Service Agreement”and“Tenpay Service Agreement”as analytic sample

我国网络第三方支付机构沉淀资金利息的归属及其使用去向问题备受社会关注。足以代表我国第三方支付市场普遍态度的《支付宝服务协议》与《财付通服务协议》均未确认用户对利息的所有权,由此引发新的法律问题。基于法律位阶原则与意思自治原则,应当认为:当事人不可依约定排除法律的强制性规定以变更利息的权属;未经用户同意,部门法规无权规定利息的使用及去向。

The belonging and using of funds and interests kept in the Chinese third -party payment receives much social concern. ＂Alipay Service Agreement＂ and ＂Tenpay Service Agreement＂ that represent the general attitude of the third - party payment do not confirm the ownership of the user to the interest, which arise new legal problems. Based on legal hiererchy and principle of autonomy of will, the client can not exclude mandatory provision of the law to change the ownership of the interests. Departmental regulations have no power to regulate the using and trace of interests without users ＇ agreement.