作者：黎四奇
作者介绍：湖南大学法学院教授，法学博士
出版日期：2018年6月9日
内容提要 二维码支付极大地提高了资金循环的效率,满足了人们快捷消费的需求。以网络技术与大数据为基础的二维码支付在实现信息流与资金流的高效结合时,它也对传统的货币法律制度、交易风险控制与承担、金融隐私权保护等衍生了"革命性"的挑战。创新即特定时代与特定场景下的创造性破坏。立于互联网、大数据、云计算的语境下,因时而进地对二维码支付所引发的货币电子化、未授权交易风险、信息权等问题进行解构是制度创新的重点所在。同时,全民金融扫盲教育亦是国家金融风险综合治理中不可或缺的环节。
关键词 二维码 第三方支付 风险治理
Abstract: As the product of further development of human science and technology, the two-dimensional barcode payment greatly improves the efficiency of the circular capital and meets the needs of people's fast consumption. However, the other side of civilization often implies admonition, slavery and restriction. The payment of two-dimensional barcode has realized the combination of information flow and money flow. Compared with the traditional money legal system, control and assumption of transaction risk and protection of financial privacy, it produced revolutionary effect. Innovation is creative destruction under certain circumstances. In the context of the Internet, big data and cloud computing, it is the focus to innovate related systems caused by electronic currency, unauthorized transaction risk, information right from the payment of two-dimensional barcode. Meanwhile, nationwide financial literacy education is also an indispensable part of the comprehensive management of financial risks.