浅议第三方支付中消费者权益的法律保护

On the Legal Protection of Consumers' Rights and Interests in the Third-party Payment

第三方支付行业在近几年飞速发展,相较于传统的金融产业,第三方支付行业依其网络空间的方便快捷性而迅速占领广大的市场份额。然而,从之前的立法空白到如今的立法缺位,第三方支付中消费者权益的法律保护仍旧是漏洞百出,消费者隐私权遭受侵犯、知情权没有保障、纠纷解决难等法律问题亟需解决。

The third-party payment industry has developed rapidly in recent years. Compared with the traditional financial industry, the third-party payment industry rapidly occupies the vast market share according to the convenience and rapidity of its cyberspace. The lag of the law also leads to the legal regulation of the third-party payment industry in China from the previous legislative blank to the current legislative absence, and the legal protection of consumer rights and interests in the third-party payment is still fraught with loopholes. Consumer privacy rights have been violated, the right to know is not guaranteed, disputes are difficult to resolve and other legal issues need to be solved.