回归与再造:微信红包所涉法律风险之司法检视——以100则诉讼案例为分析样本

Judicial Review of Legal Risks in WeChat Red Envelopes:Taking 100 Cases as Examples

微信红包作为第三方支付的新型业态,是一种互联网金融产品,给人们的社会生活带来了很多便利性,但由此引发的法律风险也不容小视。对与微信红包密切相关的100则诉讼案例进行分析,发现微信红包所涉法律风险在司法实践中体现为多元化、复杂化、纵深化等特点。从法律风险主体与法律风险环境两个方面分析来看,微信红包的风险主体存在身份不明、法律观念不强等问题,微信红包的风险环境存在规范层级较低、规范内容缺乏针对性等问题。为此,应通过加强微信红包用户的监管、健全微信红包业务的监管依据、坚持风险防控与技术创新并举等措施,再造微信红包的健康发展空间。

WeChat red envelope as a new format of the third - party payment and an Internet financial product, has brought a lot of convenience to people,s social life, but the legal risks arising from this can, tbe overlooked. The analysis of the 100 cases closely related to WeChat red envelopes, which reveals that the legal risks involved in the red envelopes is characterized by diversification, complication and deepening in judicial practice. Judging from the two aspects of legal risk subject and legal risk environment, the risk subject of WeChat red envelopes is not clear and the legal concept is not strong. The risk environment of WeChat red envelopes is low in normative level, and the normative content is lack of pertinence. To this end, we should strengthen WeChat red envelopes user supervi-sion, improve the regulatory basis of WeChat red envelopes business, adhere to risk prevention and technological innovation simultaneously, and rebuild the healthy development space of WeChat red envelopes.