摘要
沉淀资金是指在第三方网上支付平台运作过程中,因存在着卖方发货、货物运输、买方验货等时间差,或因延迟交付、清算而滞留于支付平台中的在线买卖双方货款,或在线交易前后滞留在平台内的资金。包括在途资金和支付平台吸存资金两类。沉淀资金的性质主要有存款说、债务说和电子货币说三种。基于混藏保管合同理论,沉淀资金及其利息的受益主体应该属于用户。
The deposit fund refers to the payments for goods in online transaction which are detained at the payment platform due to the time difference caused by the delivery of goods, the transportation of goods, and the inspection of goods by buyer or due to the late payment or reckoning, or the fund held up at the platform before or after online transaction in the operation of the third-party online payment platform. It includes the fund in transit and the fund absorbed by the pay- ment platform. There are three theories on the nature of the deposit fund, i.e. the deposit theory, the debt theory, and the electronic currency theory. The beneficial subject of the deposit fund and its interest should be the customers based on the theory of the comprehensive storage contracts.
出处
《天津商业大学学报》
2013年第3期60-64,共5页
Journal of Tianjin University of Commerce
基金
天津市2010年度哲学社会科学规划课题项目"会员卡的法律问题研究"阶段性成果(TJFX10-167)
关键词
沉淀资金
孳息
第三方网上支付
deposit fund
fructus
the third-party online payment
