客户备付金

客户备付金在第三方支付平台停留产生的利息明确归属为客户，但对支付机构不作分配要求。

Interests derived from customers provisions when staying in the third party payment platform are clear owe to customers , without distribution requirements for payment institution .

其中美国的存款延伸保险制度很好的解决了客户备付金的孳息问题，使得客户备付金被挪用的概率大大减小。

The United States of America deposit extends insurance system is a good solution to the problem yields customer excess reserves , excess reserves allows customers to greatly reduce the probability of being misappropriated .

主要涉及的具体问题有格式合同问题、客户备付金的孳息归属问题、未授权支付的责任承担问题等，在宏观上还存在立法缺失、法律协调难、监管及退出机制不完善等问题。

There are mainly related to the specific problems of form contract , the customer yields excess reserves ownership , accountability unauthorized payment problems , at the macro level there is lack of legislation , legal coordination , and monitoring and exit mechanism imperfect .

二者对客户权益的保护主要从对第三方网络支付机构的监管、立法的完善及客户备付金的管理等方面实现，同时还创立了许多符合本国实际的具体制度。

Both for the protection of the interests of customers mainly from the third-party online payment of a regulatory , legislative excess reserves of perfection and customer management , and also founded a number of specific systems consistent with their actual .