论第三方支付的法律风险及其应对——以支付宝交易中的网络欺诈为视角

The Risk and Supervision of the Third Party Payment——From the Perspective of Network Fraud of the Alipay

第三方支付平台借助网络运行的高效性、便捷性、隐秘性等特性蓬勃发展,在整个电子商务体系乃至市场经济体系中占据越来越重要的地位。但以支付宝交易中的网络欺诈为例,我国第三方支付平台目前尚存在比较严重的法律风险。对比国外第三方支付监管的经验,完善我国第三方支付平台监管的核心是,构建一个以第三方支付机构的自律监管为大背景,以银监会为监管主体,中国人民银行辅之,再以概括式的电子商务法律规范弥补漏洞的嵌套式监管机制。

The platform of the third party payment experienced vigorous development and occupies an increasingly important position in the entire shopping system and the market economy system due to its high efficiency,convenience and confidentiality of the Internet operation.However,this platform can be relatively legally imperfect to make legal risks,which can take the Alipay as the analysis example of network fraud.Compared with the third party payment supervision system of foreign countries,current situation and problems of China’s third party payment platform system can be improved in the aspects of building a nested regulatory platform,which is based on the third party payment institutions self-regulatory,with the Banking Regulatory Commission as the main body of supervision and central bank as a supplement,filling the gap through generalized e-commerce laws and regulations.