我国第三方支付中的消费者权益保护研析

Study on Consumer's Rights and Interests Protection in Third-party Payment

在我国,第三方支付普及范围广、使用程度高,但消费者作为平台使用者所享有的知情权、隐私权及资金安全等权利的保护存在突出问题,外国保护第三方支付中消费者权益的实践为我国提供了一定的管理经验。结合我国国情,建议规范第三方支付平台的市场准入,通过完善信息披露和完善监管,适当提高风险准备金率等手段,保护第三方支付中消费者的隐私权、知情权及资金安全。

In our country,third party payment is more and more popatar,but the consumers’rights including right-to-know,right of privacy and capital security are highlighted,and the practice of protecting the rights and interests of the consumers in third party payment is a certain management experience in China.Based on national conditions,it is suggested that market access of the third-party paymeat flatform should be regulated to protect the privacy,right to know and capital security of the consumers by improving information disclosure and supervision,and appropriately raising the risk reserve ratio.