The Study On Several Legal Issues Of Customer Float In The Third-Party Payment

With the development of E-commerce and the improvement of network information technology, the third party payment has become an important method of payment in people’s daily life. However, the rapid development of the third-party payment also brings a series of risks, among which the highly controversial one is the issue about the customer float. This paper firstly put forwards three existing issues of the customer float of the third-party payment: ownership, interest treatment and risks, then analyzes the reasons why the three issues exist one by one, and put forwards the system suggestions for solving these three issues at last, to provide beneficial ideas for the protection of customers’legitimate property rights in the process of the development of online finance.This paper can be divided into four parts, the first part:briefly introduce the related concepts of the customer float of the third-party payment.The second part:put forward three obvious issues existing in the customer float of the third-party payment:arguments on the ownership of customer float, fuzzy treatment of interest and risks existing in the customer float.The third part:explore the reasons why the above three issues exist:the first is unclear legal nature of the customer float; the second is the inconsistency between the theory and practice of the interest treatment of the customer float; the third is the defect in the risk control system of the customer float.The fourth part:put forward the system suggestions for the above issues, to guarantee the safety of the customer float of the third-party payment in a better way. It mainly concludes:making the ownership of the customer float clear, establishing nominal possessor system of the customer float of the third-party payment, making use of the customer float and interests, improving the risk internal controlling system and the external supervision system.