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随着经济社会发展,我国支付市场规模不断壮大,不仅满足了社会经济交易需求,也对传统行业的业务模式带来巅覆性的变革,对推动产业结构升级、扩大国内需求和转变经济增长方式具有重要作用。但支付服务快速发展的同时,也暴露出了法律法规不完善等方面的问题:一是民商法领域支付法规较为薄弱,调整平等民事主体间关系的法律严重缺失。近年来,我国支付服务市场发展呈现出支付主体多元化、支付服务手
With the economic and social development, the growing payment market in our country not only meets the needs of social and economic transactions, but also brings about the overwhelming changes in the business models of traditional industries. It is of great importance to promoting the upgrading of industrial structure, expanding domestic demand and transforming the mode of economic growth Has an important role. However, with the rapid development of payment services, the problems of imperfect laws and regulations are also exposed. First, the payment laws and regulations are weaker in the field of civil and commercial law, and the law of adjusting the relationship between equal civil subjects is seriously lacking. In recent years, the development of the payment service market in our country has shown that the payment subject is diversified and the payment service hand