Legal Risk And Prevention Of The Third Party Payment Platform

The third party payment platform is a new thing in the process of the rapid development of the online shopping transaction, which is not only related to the success or failure of each transaction, but also related to the security of a large number of funds and social stability in a certain range. In the specific network shopping, the legal relationship between the two sides and the third party payment platform, can be explained by the agency relationship. At the macro level, the need for the third party payment platform operation and financial risk control, including the use of financial law and other legal norms in the access qualification, payment, security mechanism, supervision and management to ensure the stability and reliability of network transactions.According to the China Internet Network Information Center(CNNIC) in Beijing in July 15, 2010 released the twenty-sixth China Internet network development status statistics report shows that as of the end of 2010, the size of China's Internet users reached 420000000 people, of which the use of online shopping rate is 33.8%, the user scale reached 142000000. [1] Internet shopping has not only changed the face of the traditional trading mode, which provides a more convenient way to trade, but also led to the development of electronic payment, logistics and other industries, has brought new changes in social, economic and legal aspects.However, the online shopping to the Internet users to facilitate the same time, based on the network of virtual, concealment and other characteristics, coupled with the new industry system is not sound, the problem of fraud, disclosure of customer information and other violations of consumer interests will appear. In this one, the network payment methods to bring the financial security issues of great concern, should cause the attention of the parties. From the micro level, the problem of network payment related to the performance of the network transaction, not only may produce the relevant contract breach liability and other legal issues, but also the existence of violations of individual consumer rights, from the macro level, the network payment related to financial market access qualification, business management, risk monitoring and other financial legal issues, such as improper handling may lead to financial risks and even affect social stability in a certain range. Among them, the third party payment platform as a kind of network transaction payment method, the legal risk is relatively prominent. Therefore, in the Internet and the rapid development of online shopping industry at the same time, to strengthen the network payment, especially the third party payment platform of the legal system construction, is a pressing task at present.