随着电子商务的迅速发展以及网络信息技术的不断进步，传统贸易形式正遭受着巨大的冲击，而此时，网络购物以其快速便捷的特性得到越来越多的人喜爱。与网络交易同步发展起来的是网上支付，其中最具代表性的便是第三方电子支付。网络交易中的第三方支付模式区别于传统的“一手交钱一手交货”模式，是一种通过中立的第三方机构完成的“在线支付”的新型方式，此时银行不再充当支付环节的垄断者。第三方支付的出现创新了支付方式，便捷了资金的流动，突破了电子商务的交易瓶颈，在一定程度上也解决了网络购物中的支付安全问题和信用问题。但与此同时新事物的出现也产生了一系列新的法律风险。比如第三方电子支付服务商的法律地位不明确、参与支付服务的各方法律关系混乱、沉淀资金的性质与归属、支付安全的法律保障、消费者权益保护问题等。面对第三方支付出现的诸多问题却没有完善的法律与之对应。2010年央行颁布的《非金融机构支付服务管理办法》及其《实施细则》弥补了对这一新兴事物在法律监管方面的空白，但在具体实施和操作层面还有许多不尽如人意的地方。本文基于目前第三方电子支付在高速发展过程中出现的许多行业风险问题，在试图理顺第三方支付主体间法律关系为出发点，在研究和借鉴欧美及亚洲各国对第三方电子支付行业的监管模式下，结合我国已出台的相关法律在实际中的应用情况，分析了当前我国国内市场关于第三方电子支付存在的法律问题，并给出相关的改善建议。全文一共分为四个部分，第一部分为第三方电子支付的概述，从第三方支付的产生背景、概念、种类、特点和其发展现状等角度对第三方支付情况进行简要介绍。第二部分提出第三方电子支付发展过程中出现的诸多法律问题，并对这些问题进行理论分析，明确第三方服务商的法律地位及其交易主体间的法律关系。第三部分着重介绍了美国和欧盟以及亚洲的新加坡、韩国、香港等国家地区应对第三方电子支付服务出现问题时的对策和解决机制。第四部分结合《非金融机构支付服务管理法办》的相关规定，探讨鉴于在当前法律监管体系下需要继续研究和改善的内容。

The rapid development of electronic commerce and network information technology advances, the traditional trade form gradually suffer huge impact, and at this point, the network shopping with its characteristics of quick and easy to get more and more people love. Developed with network synchronization is online payment, one of the most representative is the third party electronic payment. Third-party payment mode in the network transaction "gang get the cash on delivery" which is different from traditional patterns, is a neutral third party to complete the "online payment" of the new payment, he broke the monopoly position in the field of electronic payment, the bank innovation payment, convenient for the flow of funds, break through the electronic commerce transaction bottlenecks, to a certain extent, also solve the network shopping in the safety of the payment and credit problems. But at the same time also produced a new set of legal risk. Such as the legal status of the third party electronic payment services are not clear, the parties involved in payment services legal relationship chaos, precipitation funds, consumer rights and interests protection, etc.Facing many problems in the third-party payment have no perfect law and at the same time. In 2010 promulgated the "non-financial payment services management method" and its "implementation details" to make up for in electronic payments to a third party regulatory gaps, but in the concrete implementation and operation level there is lot to be desired. This article is based on the analysis of the rapid development of the third-party payment industry on the basis of risks and vulnerabilities of hidden inside the industry made a comb, and combined with the newly introduced non-financial payment services management method "and its implementing rules, sums up the main legal problems of the third party payment, and puts forward some improving Suggestions.This article is divided into five parts, the first part is an overview of third party electronic payment. From a third party to pay the background, concept, types, characteristics and its development status of third-party payment situation are briefly introduced. The second part analyses the legal status of the third party electronic payment services and trading legal relationship between the main body. The third part expounds existing in the development of third party electronic payment in the main legal problems. The fourth part introduces the third party payment service business development is relatively mature in the United States and the European Union to third-party payment legal countermeasures to resolve the problem as well as existing e-business solutions on the relatively developed areas in Asia. The fifth part of the combination "non-financial institution payment service management to justice," the relevant provisions, to explore the contents of view of the current legal and regulatory system needs to continue research and improvement.