loading摘要
摘 要
当今世界电子网络、通信和信息技术快速发展，Internet在全球迅速普及，传统的商业形式不再很好的适应时代的发展，电子商务应运而生。随着网络时代电子商务的崛起，货币支付手段与方式发生了创新性变革。电子货币——电子支付方式的出现,便是这种变革的典型表现。目前，在电子商务发展的进程中，电子支付仍然是困扰电子商务发展的主要原因之一。
本文首先介绍了与电子商务及电子支付相关的概念定义，电子支付的主要工具及其应用，简单地说明了电子支付的发展阶段及其模式以及目前国内外电子支付发展现状及电子支付行业存在的主要问题，认为安全问题、观念认识问题、信用问题、标准化问题以及法律问题是目前电子支付存在的主要障碍。
接着，本文从电子货币的发行主体问题、电子货币的安全性问题、电子货币的法律效力问题、电子货币的流通性问题、消费者权益保护问题、电子货币的监管问题等六个方面分析了目前电子货币应用中存在的法律问题。同时分析了目前电子支付应用中存在的主要法律问题，主要包括电子支付的安全问题、电子支付规范标准不统一问题、各方权利义务不明确、法律责任不清问题、电子支付的监管问题、对电子支付违法活动的防止与惩治等几个方面。
本文研究的重点是提出解决目前电子支付中存在的法律问题的思路和对策以及对我国今后电子支付立法的构想。本研究认为政府支持，银行及时制定相应规范和体系是解决电子支付法律问题的基础；接着从加强信息安全法律规范、确立网络支付平台的法律地位、电子货币的法律地位的法律调整、明确电子支付中各方法律责任的划分及承担、确定电子支付中的举证责任的承担方式、电子支付中的电子证据的法律地位等七个方面说明了解决电子支付法律问题的对策与思路。同时提出：将电子支付纳入法制化管理并与国外相关立法相兼容；确立电子支付安全控制规则；明确电子支付主体及监管对象；严格支付行为，加强对社会信用体制的建设，以减少电子支付的风险；确立风险承担规则；对于大额电子资金划拨系统和小额电子资金划拨系统分别进行研究和做好立法工作等八个方面作为今后我国电子支付立法的努力方向。
本研究在综合分析前辈研究的基础上，提出了解决电子支付法律问题的思路及对策，而且对于今后这方面立法的趋势作了分析，可望对电子支付立法提供一定的参考作用。
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关键词：电子支付；现状；法律问题
ABSTRACT
In today's world, together with the rapid development of communication，electronic networks and information technology, the Internet rapidly grow popularity in the global world. Traditional business forms are no longer good adapting to the development of era, so e-commerce emerged. With the rise of e-commerce of the Internet era, the payment ways and means innovatively changes. Electronic currency -- electronic payment methods, is a typical example of such changes. At present, in the development process of e-commerce, e-business payments continues to haunt one of the main reasons.
In this paper, firstly, the concept and definition of the related e-commerce, electronic payments and the main tool and application of electronic payments are introduced. The electronic payment development stage and mode, as well as the current Status and main problems of the domestic electronic payment are explained. The security problem, the Concepts problem, the credit problem, the standardization problem of and the legal issues is the main obstacle of electronic payment.
Then, six aspects of the legal issues of electronic money, including the issuance agencies problem, the security problem, the legal validity problem , electronic currency circulation problem, consumer right protection problem, the monitoring problem are Analyzed. Meanwhile the main legal issues of electronic payment application are discussed, including the security problem, the unified standards problem, the unclear rights and obligations problem, the unclear legal responsibility problem. The monitoring problem, prevention and punishment of illegal activities in the electronic payments, etc on.
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ABSTRACT The focus of the study is giving the ideas and countermeasures to solve the legal issues of electronic payments legal Problems and Submitting the vision of our future electronic payment legislation in this paper. This study supports the view that the government supports, banks corresponding laws norms and settlement system are the foundation to solve the electronic Payment legal issues; Then by analyzing strengthening information security laws and regulations, establishing the legal status of Internet payment platform, adjusting the legal status of electronic money, clearing law responsibility and its bear forms, determining the bearing forms of proof in electronic payment methods, clearing the legal status of electronic evidence showed that the seven factors is the strategies and ideas to solve the problem of electronic payment. Meanwhile electronic payment being made into law management and compatible
with
foreign-related
legislation;
establishing
electronic payment security control procedure; clear targets to be monitored; strictly controlling pay activity ,strengthening the building of a social credit system to reduce the risk of electronic payment; establishing risk Rules; researching respectively large electronic funds transfer systems and small electronic funds transfer systems are given as a future direction for our electronic payment Legislative.
The ideas and countermeasures to solve the legal issues of electronic payments legal Problems are given based on the research of seniors in the paper. The legislation trend for the future of electronic payment is analyzed, and it is expected to provide some reference to the role of future electronic payment legislation.
Key Word：electronic payment；actuality；legal issue
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