[1]钟志勇.电子支付服务中的关键概念及立法选择——兼评中美电子支付服务世贸组织争端案[J].金融教育研究,2015,(02):9-13.
　ZHONG Zhiyong.The Key Concepts and Legislative Choice in Electronic Payment Service——Comment on the WTO Dispute of Sino-US Electronic Payment Service[J].,2015,(02):9-13.
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电子支付服务中的关键概念及立法选择——兼评中美电子支付服务世贸组织争端案()
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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2015年02期
页码:
9-13
栏目:
出版日期:
2015-03-31

文章信息/Info

Title:
The Key Concepts and Legislative Choice in Electronic Payment Service——Comment on the WTO Dispute of Sino-US Electronic Payment Service
作者:
钟志勇
南昌航空大学 文法学院,江西 南昌 330063
Author(s):
ZHONG Zhiyong
School of Arts and Law,Nanchang Aeronautical University,Nanchang,Jiangxi 330063,China
关键词:
电子资金划拨;  电子支付;  支付服务
Keywords:
electronic fund transfer;  electronic payment;  payment service;  electronic payment service
分类号:
F830.46
文献标志码:
A
摘要:
电子资金划拨通常仅指以电子方式在金融机构账户之间进行的资金划拨,而电子支付泛指任何通过电子设备进行的支付,其法律内涵不太容易确定。支付服务是一个比较合适的概念,而为与《票据法》相对,建议我国采用“电子支付服务”。该概念应包括“经营”、“促进”和“促成”支付的所有必要服务,而支付“直接通过电子设备发出支付指令”进行。电子支付服务世贸组织争端案中,我国败诉的原因在于支付卡信息转接市场垄断,而非专家组解释不当。
Abstract:
Electronic fund transfer generally only refers fund transfer between accounts of financial institutions by electronic,while electronic payment broadly refers to any payment made through electronic device and its legal connotation is not easy to be determined.Payment service is a suitable concept and China is advised to adopt＇electronic payment service＇in order to make a comparison with Negotiable Instruments Law.The concept should include all necessary services about payment,such as “manage”,“promote” and “facilitate”,while payment is executed through a “direct payment instructions issued by the electronic device”.China lost a lawsuit in the WTO dispute of electronic payment service,the reason is the market monopoly of payment card information transfer,not the expert group's improper interpretation.

参考文献/References:

[1]李莉莎.第三方电子支付法律问题研究[M].北京:法律出版社,2014:14.
[2]崔聪聪.GATS承诺表解释的困境与出路——从美国诉中国银联垄断案谈起[J].经济问题探索,2013(6):133.
[3]张乃根.电子支付案中GATS减让表的条约解释[J].上海对外经贸大学学报,2014(1):25.

备注/Memo

备注/Memo:
收稿日期:2014-12-15 基金项目:教育部人文社会科学基金“非金融机构支付服务监管法律问题比较研究”(12YJA820103); 国家留学基金委“电子支付服务立法问题比较研究”(201208360015) 作者简介:钟志勇(1970-),男,湖南湘阴人,博士,教授,主要研究方向为金融法。
更新日期/Last Update: 1900-01-01