Non-bank Online Payment And The Risk Of The Civil Law Relief

The Internet(Internet) since 20 th century, to the present, in our life everywhere. Network completed by the tool of communication to the evolution of the human survival mode. The impact of the Internet has more than any before it appears a form of information transmission, the individual through the virtual network interaction in real life, the virtual space of activities a nd definitely impact on the individual to the real world. Network world as the expansi on of individual hum an activities, as an extension of the real world, it bring us life convenient, fast and happy at the sam e time, also has brought more complicated social relations and legal issues.The emergence of non-bank onlin e payment mode, changed the tradition al face-to-face, cash for cash tr ansaction mode. In our science and techno logy for the society jubilant at the same time, have to face is the trade mode and at the same time brings us a risk.In this paper, through the discussion of five aspects to seek to evade the non-bank online payment of the risk. The first part: the overview of non-bank online payment. Including 1, non-banks pay the generation and development of the network. 2, pay non-banks netw ork concepts and char acteristics. The second part: non-bank online payment platform, analysis on the relations of civil law. Including 1, non-banks network paym ent overview on the relations of civil law. 2, non-banks network pay legal relationship. The third pa rt: the risk of non- bank online payment. Including:(a) the risk of fo rmat contract.(2) the risk of precipitation funds.(3) the risk of consum ers' rights and interests protection. The fourth part: the non-banks network pay civil law relief. Including:(1) non-bank online paym ent in the for mat contract risk relief(2) precipitation in non-bank online payment funds of the civil law relief(3) the non-banks network consum ers' rights and interests protection of civil law relief payment.Through the non-banks network developm ent situation, non-banks network payment main body the legal relationship, this paper and draw lessons from foreign countries to non-banks network payment risk control experience, to seek and explore from the perspective of civil law, non-banks network payment risk in our country, how to relief.