网络第三方支付格式合同再规制研究——基于行为法律经济学视角

On the Re-regulation of the Online Third-party Payment Format Contract——Based on the Perspective of Behavioral Law and Economics

网络第三方支付格式合同具有以互联网为媒介、接受方身份难以确定、缔约情境独立、准金融合同属性以及缺乏交互性和现场性等特点。当前有关网络第三方支付格式合同的立法存在制度支撑不足、信息披露不够科学,风险提示不够完善、备案审查流于形式等问题。基于此,应依据行为法律经济学视角下的"法律除偏"策略,设计默认规则倾斜保护消费者利益,利用信息干预规则纠正行为偏差,运用框架效应提高风险识别能力,采取激励方法预防和减少行为差错,强化助推帮消费者实现理性决策。

The online third-party payment format contract has the following features： taking Internet as the media ; recipient＇ s identity is difficult to determine ; contracting circumstance is independent ; nature of quasi finan- cial contract and lack of interaction and on-site characteristics. At present, the legislation of the online third-party payment format contract exists problems, such as insufficient institutional support, unreasonable information disclo- sure, incomplete risk warning, and deficient recording review. Based on this, according to the law ＂unbiased＂ strat- egy of behavioral law and economics theory, default rules should be designed to be inclined to protect consumers, and information intervention rules should be applied to rectify the deviation behavior. Furthermore, it is suggested framing effect utilized to improve the ability of identification risk, and motivational techniques taken to prevent and reduce behavioral errors, eventually to help consumers achieve rational decision.