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近年来,网上支付业务随着电子商务的快速发展而逐步兴起,进而推动了金融服务方式的变革。互联网已成为金融服务的一个主要竞争舞台。除各金融机构将网上支付业务作为金融创新的一项业务发展外,许多电子商务企业也推出了自己的网上支付工具。网上支付业务的发展对现有法律提出了挑战,积极研究网上支付的法制建设问题,规范网上支付行为,对促进网上支付业务的发展尤为必要。
In recent years, with the rapid development of e-commerce, online payment services have been gradually emerging, thus promoting the transformation of financial service methods. The Internet has become a major competition arena for financial services. In addition to various financial institutions using online payment services as a business development for financial innovation, many e-commerce companies have also launched their own online payment tools. The development of online payment services poses challenges to the existing laws. It is necessary to actively study the legal construction of online payment and to standardize the online payment behavior, and to promote the development of online payment services.