Research On Legal Issues Related To Consumer Safety Rights In Third Party Payments

The third party payment has changed people's payment habits.The new means of payment based on Internet technology has brought convenience to people,but also caused unprecedented security risks of payment.The asymmetric information between the payment institutions and consumers has led to a serious imbalance between the rights and obligations of the two parties.Consumer property security and information security in such a payment environment is facing the new risks and crises.Under the influence of legal lag,the domestic third party payment industry was in a blank stage of regulation.In 2010,the people's Bank of China "non financial institution payment service management approach" and the introduction of the implementation details of the third party payment industry began to enter the era of legal supervision.But despite the subsequent development of a series of relevant normative documents,but still the lack of protection of consumers' right to protect the legal norms.However,the content of consumer protection law is not suitable,and the new code of conduct is absent.Consumers are immersed in the embarrassment of the situation.This paper aims to sort out the third party payment of foreign legislation,analysis of operation mode of third party payment,to find out the problems of domestic legal supervision,and ultimately from the reality and legislation of the two directions putting forward some suggestions for perfecting the consumer right system.Payment institutions self-discipline of law-abiding consciousness and consumer rights awareness,make efforts to promote the healthy development of China's third party payment.The paper consists of four chapters.The first chapter elaborates the basic connotation of the third party payment and the consumers' rights.This paper mainly introduces the definition of consumer property security right and information security right,and from the point of view of economic law,the question of consumer security right is justified by the legitimacy and necessity of economic law regulation,laying the foundation for analyzing the specific risks and problems.In the second chapter,from the perspective of legislation and reality,the author analyzes the current situation of the damage to the consumer right in the third party payment.The third chapter mainly introduces the legislative practice of domestic and foreign legislation in order to provide ideas for solving the problems of protecting the security r in the payment of third party payment.Therefore,this chapter mainly starts from the aspects of property safety,information security,and introduces the legislative experience and practice.In the fourth chapter,after referring to the contents of the third chapter,the author puts forward some suggestions on how to improve the legal supervision system and amend the regulations,and the information disclosure system.