第三方支付法制之研究

Abstract

網際網路帶動電子商務的發展，改變人們舊有的交易型態也帶來新的問題。第三方支付服務成功解決網路交易中資訊不對稱、隱私資料外洩等問題，為電子商務發展帶來助益。不過這樣的支付型態在我國發展卻面臨法規不明確及監理機關態度的限制，直到近年來才開始發展。 在我國第三方支付法制初發展之際，相關規範尚未完備，本論文將透過觀察國外知名第三方支付產業的發展趨勢，以發展電子商務及網路金融的角度提供我國監管不同的想法，並透過介紹比較美國、歐盟及中國的第三方支付法制，在市場准入制度、用戶資金管理、消費者權益保護及洗錢防制等方面，對於我國發展第三方支付法制提出建議。

Internet has led to the development of e-commerce, changed the type of payment, but also raised new issues. The use of third-party payment service has not only successfully resolved the risk of information asymmetry and privacy leakage during the internet transactions, but also benefited the e-commerce. However, due to the restriction of relevant regulations and supervisory authority in Taiwan, the use of third-party payment service hasn't drawn much attention to the public until recently. In this paper, we will identify the trend of third-party payment service by observing the development of Paypal and Alipay, then analyze third-party payment regulations in the United States, European Union and China, in the end we will make recommendations in the aspects of market-access mechanism, customer funds management, consumer protection and anti-money laundering.