2016猴年春节-“微信红包”引发的五大法律问题-【摇篮曲www.yaolanqu.cn】

 
微信红包

微信红包的核心不在于微信本身,而在于在于“红包”。传统意义上的“红包”主要是在春节期间由家长或长辈用红纸包裹派给自己的孩子或晚辈的压岁钱,表示把新的一年的祝福和好运带给他们。现代意义上的“红包”已经有多重含义,有的已涉及法律风险,比如医生收“红包”就应该纳入商业贿赂处理范畴。因此,“微信红包”背后的法律风险问题应当引起有关部门的关注。
1、警惕“微信红包”的贿赂风险问题!

“微信红包”的核心是收发微信红包必须绑定银行卡。据腾讯初步统计,仅除夕当天绑定的银行卡就超过了2亿张。而在绑定银行卡以后,消费者就可以利用微信支付“我的钱包”进行各种消费,如买机票火车票、滴滴打车、网上购物、信用卡还款等。此外,还有一项重要的功能没有被统计,即“微信红包”的“送礼”功能。

实际上,“微信红包”就是“电子红包”,最早是由银行推出的一项业务,后来被引入第三方支付和电子商务领域。电子红包与传统红包最大的区别在于,电子红包不需要与接收人见面,也无须征得对方同意即可发出。发放电子红包的金额可大可小,也可以多次发放。因此,电子红包不仅是现金的馈赠方式,也是各种商业组织促销的最佳手段。但是电子红包具有“附赠”行为的性质,即通过向消费者无偿提供一定数量的红包现金,用来引诱消费者与之发生交易,特别是“电子红包”没有实物让人看见,基本上做到:天知,地知,你知,我知,其他人谁也不知。因此“电子红包”也是通过互联网的方式实施商业贿赂的最好方式,应当引起相关部门的高度重视,并依法予以规制。

2、“微信红包”资金和利息应如何归属?

从表面上看,“微信红包”更多是一种互联网社交行为,不是一种经济行为。然而,在这种互联网社交金融行为背后,“微信红包”却创造了数十亿元的现金流,众多没有被领取的红包以及没有被提现的红包,都将使微信积累了大量的沉淀资金。从流程及微信支付说明来看,“微信红包”本质上仍然是基于腾讯旗下第三方支付平台财付通开发的操作程序。第三方支付中的各方权利义务关系及其法律性质,目前在法律上尚未做出明确的界定。

从第三方支付业务本身看,第三方支付平台只是提供了一项支付服务,但是这个平台却聚集了大量资金,已经具备了商业银行储蓄的性质,但是却又不受相关商业银行法律法规的规制,用户资金的时间价值(利息)成为其主要的利润来源。

关于“微信红包”沉淀资金及其利息的归属问题,属于基本的金融业务范畴,是互联网第三方支付平台都存在的问题。根据中国人民银行的有关规定,沉淀资金本身归属于客户,由支付机构保管,根据客户的支付指令进行操作。笔者认为,关于“微信红包”的利息归属问题应当分为两个阶段:在转账制作红包到红包接受者接受红包前这段时间所沉淀资金产生的利息,应当属于发放者;在红包到达接受者的账户,且在接受者提现前这段时间沉淀资金所产生的利息,应当属于接受者。

建议国家尽快修改商业银行基本法,增加有关互联网金融安全、准入、交易、认证、监管、退出、消费者权益保护和法律责任等规定,尤其是要规制网络支付安全给互联网金融带来的系统性风险,同时要提高互联网金融行业的违法成本。

3、“微信红包”涉及用户信息安全!

“微信红包”必须与银行卡绑定之后才能实现其应有的功能,但是“微信红包”一旦与用户的信用卡绑定就不再只是社交游戏了,而包含了个人手机号、银行卡号、密码等敏感信息。最近,笔者发现有几款所谓的抢微信红包的外挂软件,比如有一款名为“关云藏”的抢红包外挂软件,该软件的安装界面中自称通过了360安全认证。下载安装后,软件会提醒用户,将收集手机中的所有文本,包括个人信用卡号、手机交互数据等信息。有些网友反映,其收到朋友发来的链接,点开后竟然能看到对方手机里收发红包和提现的全部记录,甚至包括银行卡尾号和姓名等。

建议“微信红包”经营者应当从网络安全的战略出发,采取必要的技术措施和手段,严禁泄露用户的个人信息。对此我国《消费者权益保护法》有明确规定,经营者应当采取技术措施和其他必要措施,确保信息安全,防止消费者个人信息泄露、丢失,在发生或者可能发生信息泄露、丢失的情况时,应当立即采取补救措施。“微信红包”作为一款互联网支付产品,经营者必须采取严格的安全手段和措施确保用户的信息安全,如果因为技术漏洞泄露用户信息,给用户造成损失应当立即采取补救措施,并应当承担相应的法律责任。

4、“微信红包”涉税问题!

关于收受“微信红包”是否缴纳所得税的问题,这有两种情况,需要分别对待:首先,亲朋好友之间通过微信社交发红包,且金额也不大,是互相赠予,按照目前的税法不涉及个人所得税问题;其次,如果企业明确表示通过“微信红包”形式,对用户或潜在客户的附赠行为,或通过“微信红包”奖励成绩突出的员工以及通过“微信红包”形式向员工发放奖金等福利,就应按累计数额缴纳个人所得税。因为企业上述红包的发放,对方收受红包这一行为则属于偶然所得,应该按照20%的税率缴纳税款。

我国税法规定,取得偶然所得的个人为个人所得税的纳税义务人,应依法纳税;向个人支付偶然所得的单位为个人所得税的扣缴义务人。不论在何地兑奖或颁奖,偶然所得应纳的个人所得税一律由支付单位扣缴。偶然所得以收入金额为应纳税所得额,纳税率以20%计算。对于大家常说的1万元的起征点,是专指个人购买福利、体育彩票(奖券)一次中奖收入不超过1万元(含1万元)的暂免征收个人所得税;一次中奖收入超过1万元的,应按税法规定全额征税。

5、互联网金融的创新不能突破法律底线!!!

互联网金融是创新的产物,既然是创新,就肯定会有失误和风险。对创新导致的失误和风险我们要有包容的态度,但是这种包容决不能突破法律的底线。互联网金融本身并不神秘,本质上还是金融,只是利用互联网技术、思想和业务模式,让金融交易效率更高、成本更低。既然互联网金融的本质就是金融,它同样具有信息不对称、交易成本、合规性、风险性、外部性、公共性、监管谨慎性等基本的金融特征,并且这些特征是无论运用何种先进技术都无法改变。因此,对于互联网金融而言,首先应当运用法治的思维审视互联网金融发展中的问题,其次才是以互联网的思维去创新互联网金融的发展模式。

一定要清楚地认识到,互联网金融一定是在合规有序、风险可控的基础上才能得以健康发展,同时互联网金融的创新一定要围绕服务实体经济和服务消费者的需求来进行,而不是远离实体经济和消费者的需求。若无边界地去凭空设计和创造,那会背离金融创新的基本准则。特别是打着“互联网金融创新”旗号无规则的发展和丛林式的竞争,均违背创新的基本准则。过度的互联网金融创新是一种潜在的金融法律风险,任何突破法律底线的创新必须依法予以矫正和规制。

 

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  1. SARAsn
    2019/07/19 11:27:17
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