电子支付中的金融消费者权益行政法保护制度

【作者】 黄莉娜；

【导师】 朱淑娣；

【作者基本信息】 复旦大学 ， 宪法学与行政法学， 2012， 硕士

【摘要】 电子支付中的金融消费者权益是指为满足个人需要,购买金融机构金融产品或接受金融服务的公民、个人或组织所享有的包括电子支付中的金融信息知情权、电子支付中的金融消费自由权、电子支付中的金融消费公平交易权、电子支付中的金融资产安全权、电子支付中的金融消费求偿求助权在内的一系列权益。其行政法保护问题已成为人类所关注和不可避免的全球性课题。在当前信息技术日益发展的形势下,行政法,尤其是电子支付中的金融消费者权益行政法保护制度应当通过监管电子支付平台的不规范操作、规范行政主体(比如银监会、央行的职能)进行行政立法、行政执法、行政司法等手段,来保护金融消费者权益。电子支付中的金融消费者权益,需要通过公法规范来保护。电子支付中的消费者也应受到公权力的保护,保护他们这些处于弱势地位的消费者利益,也就是保护公共利益。如何通过完善立法来保护电子支付中的金融消费者权益、健全我国电子支付规制中的信息公开制度,从而达到法益平衡?这是本文所要解决的主要问题。电子支付中的金融消费者权益行政法保护制度有其深厚的理论基础。与国外发达国家相比,尽管我国的电子支付中的金融消费者权益行政法保护法制建设取得了长足进步,但仍然存在着严重缺陷。电子支付中的金融消费者权益行政法保护立法中的一些基本理论问题并未解决,金融消费者权益还得不到有效地保障,电子支付安全行政规制的义务主体范围少,电子支付中的金融消费者权益行政保护的程序、救济制度等还不健全。我国并没有建立起规范的电子支付金融消费者权益行政法保护制度。这都需要在充分分析当前我国电子支付中的金融消费者权益行政法保护现状的基础上,在借鉴国外发达国家的先进经验的条件下,对我国的制度进行改革与创新。基于此,笔者提出了完善我国电子支付中的金融消费者权益行政法保护制度的一些设想,并对其行政立法、行政执法和行政救济制度等内容提出了有针对性的意见和看法。本文共分以下几个章节：“引言”通过对于电子支付、金融消费者权益、行政法保护等概念进行界定的基础上阐述了相关概念,并指出在现行制度层面电子支付领域金融消费者权益行政法保护存在的缺陷以及其对实践运作造成的弊端,由此引出了本文写作的学术意义及实践价值。“第一章”进行了电子支付中的金融消费者权益行政法保护制度的宏观背景分析,包括宪法依据和国际约束两部分。并且分析了宪法保护和国际法保护的局限性和行政法保护的构成要素和显著优势。“第二章”立足于梳理电子支付中的金融消费者权益行政法保护制度现行有关的中国法律法规。“第三章”阐述了电子支付中的金融消费者权益行政法保护制度的基本原则,从行政法定、正当程序和行政效益三大原则层面,为完善电子支付中的金融消费者权益行政法保护制度提供了理论基础。“第四章”针对上述制度梳理,从电子支付中的金融消费者权益保护行政立法、行政执法和行政救济三个纬度指出现行制度的缺陷。“第五章”针对上述制度缺陷,从电子支付中的金融消费者权益保护行政立法、行政执法和行政救济三个纬度提出了制度完善的具体建议。更多还原

【Abstract】 Great attention has been paid to the administrative law protection of financial consumer interests as it has become so serious a matter all over the world. In the current issue of the increasingly serious electronic payment situation, the financial consumer interests is of great significance. So, through the establishment of a special the administrative law protection of financial consumer interest legal system to protect the public will be in the context of trade safety on the road to reform and innovate one of the important contents in the new historical conditions.The financial consumer interest administrative law protection legal system has its strong theoretical foundation. Compared with the developed countries, despite our legal construction has made obvious progress, there are still serious shortcomings. Some of the basic theoretical problem in the electronic payment regulation legislation is not resolved yet. The administrative law protection of financial consumer interests is not effective in protecting. The main obligation of financial consumer interest administrative legal protection is less. Our country has not set up a standardized system for the administrative law protection of financial consumer interests.On the basis of the current status of our administrative law protection of financial consumer interests analysis, under the conditions of the advanced experience of foreign developed countries, it needs the open reform and innovation under the conditions of the advanced experience of foreign developed countries, and it also needs the open reform and innovation to our administrative law protection of financial consumer interests legislation under the conditions of the advanced experience of foreign developed countries. Based on this, I have made some contribution for a better administrative law protection for financial consumer interests in the legislative model, the legislative intent and the fundamental principles, the basic system and the administrative law protection of financial consumer interests is of coordination between the relevant laws. I wish it could be summed up, and provide experience for the whole of the legislative council in the consumer administrative protection and promote the development of the system of administrative law protection for financial consumer interests in electronic payment arena.The introduction chapter elaborated macroscopic background and theoretical basis of network financial consumer protection from multi aspect of view, proving the strong theoretical background support for the exist of this system, including:First, electric payment brings great challenges for the financial consumer protection, an urgent demand of administrative protection is needed; Second, in the time of right, financial consumer interests should be protected as a constitution right; Third, this is a time of Electronic Economy Age, the importance of financial consumer protection shows, demanding worldwide government to take every measures to complete it to meet with the new demand of financial consumer protection in internet environment; Forth, great pressure of financial consumer protection is brought in under the time of global economic integration, and this is another important international background for the building and development for the administrative protection system in our country.The first Chapter considered the nature and main principles of the administrative law protection for financial consumer interests in electronic payment arena from three perspectives. First, defined the meaning of the electronic payment and administrative law protection for financial consumer interests from the aspect of theoretical definition; then, analyzed the characteristics and classifications of the administrative law protection for financial consumer interests; last, demonstrated the advantages of administrative law protection for financial consumer interests.Based on the existing Chinese laws and regulations in the field of administrative law protection for financial consumer interests in electronic payment arena, the second Chapter tried to indicate the current system deficiencies from all aspects.The third Chapter considered the nature and main principles of the administrative law protection for financial consumer interests in electronic payment arena from three perspectives. First, defined the meaning of the network copyright and Internet Copyright Administrative Protection from the aspect of theoretical definition; then, analyzed the characteristics and classifications of the Internet Copyright Administrative Protection; last, demonstrated the advantages of administrative protection of copyright.The fourth chapter made specific comments about existing legal system of administrative law protection for financial consumer interests in electronic payment arena.The fifth chapter made specific comments about institution improvement from the perspective of administrative law protection for financial consumer interests in electronic payment arena.更多还原