我国网络支付平台下买卖双方利益保护机制研究

互联网交易存在着信用、法律、技术和安全等方面的风险,通过建立第三方网络支付平台可以减少这方面的风险,可以在诚信、支付和物流方面对买卖双方的利益进行保护。但我国目前第三方网络支付平台的建设还存在着监管不足、与银行合作不理想、自身缺乏统一性和规范性、账务管理能力和平台稳定性不高、收费混乱等问题,解决这些问题既要从政府、银行等外部环境入手,更应重视平台自身制度的建设和完善,提高平台的公信度,对商家和消费者的利益进行切实的保护。

Research of Mechanism on How to Protect Interest of the Buyers and Sellers on China's Online Payment Platform

There are some risks involved in online transaction in terms of credit,technology,law and security.By the establishment of the third party electronic payment platform,we can reduce these risks.We can also protect interest of both the buyers and sellers by the use of this platform.But,there are some problems with this platform in China,such as the problems of the poor oversight,the unideal cooperation with the banks and the lack of specification.To solve these problems,we should not only pay attention to the external environment,but also the internal environment.