The Risk Prevention And Remedial Measures Of The Online Payment In C2C E-commerce

E-commerce is becoming the main trend of economic development with the rapid development of network technology and E-commerce. In the field of E-commerce, information flow, logistics and capital flow are the three very important aspects, among which the capital flow is the most crucial part. Besides, the capital flow is also basic conditions for carrying out the transactions. The manifestation of capital flow in e-commerce is online payment, which transfers the information via electronic data in the opening system platform. Compared with those traditional payment methods, it has the advantages of low cost and high efficiency. Meanwhile, as a newborn payment method, the online payment faces with many difficulties and risks along with its rapid development.Therefore, this essay pays attention to the risk prevention and remedial measures of the online payment, reviews the lack of legal norms of online payment in terms of risk and tries to perfect the existing legal norms which regulating the online payment. Discussing the concept, characteristics and operation of the process of the online payment firstly, this essay analyzes the risks and the causes of them on the basis of understanding the specificity of online payment. Then, it proposes systematic recommendations towards the risk prevention of the online payment, combining the international advanced legislation.There are four parts of this essay:The first part is the basic analysis of online payments. Firstly, it outlines the concept of online payment, sums up the three forms of online payment and their characteristics, describes the specific process of online payments combining with graphic. Then it analyzes the legal relationships involved in the online payment, specifies each the main body involved in the online payment and their mutual legal relationships, which will lay the theoretical foundation for the analysis of the risk of the online payment.The second part of the essay analyzes the risk of the online payment in detail. At the beginning of this part, I would like to classify the risks according to different forms of expression, then I will introduce the concrete manifestation of each form and the influence of which to the online payment parties. Finally, I prefer to make a further analysis of the causes and environment of the risks.As for the third part, I would like to introduce the international advanced legislation. This part mainly discusses the different concrete measures which different countries adopt in allusion to various risks. We can seek for legislation inspiration about the online payment risk prevention by means of those discussions in China.The last part of this essay analyzes the legislative improvement of the risk prevention and remedial measures of the online payment. In this part, through learning from foreign advanced experience in legislation, combining with the situation of our country, the essay proposes concrete legislative recommendations towards the legal position and supervision of the payment platform, capital and risk bearing mechanism.