我国第三方支付的风险控制研究

发布时间：2018-01-31 19:06

本文关键词： 第三方支付风险控制监管　出处：《华中科技大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着我国电子商务市场不断发展，第三方支付凭借其支付行业内优化的解决方案加速融合传统企业，并且由于它在使用上的便捷性、交易中的信任感，越来越受到消费者和企业的青睐，，成为了电子支付领域的主流模式。然而作为具有创新型的市场新宠，其风险性同样不可小觑。本文介绍了第三方支付的运营模式、特点和发展现状，运用博弈论的理论知识解释了第三方支付机构存在的必要性，并在此基础上强调了允许退货对于降低交易中道德风险的有效性。然后采用理论与实践相结合的研究方法，针对第三方支付在实际活动过程中可能存在的风险进行了分析，并把风险分析的重点放在了市场风险、信用风险、法律风险和技术风险上，其中以法律风险尤为突出，比如客户备付金的管理、沉淀资金的利息归属、第三方支付和用户的法律关系等都备受关注。随后根据客户的反馈信息在Logistic回归模型的基础上进行实证分析。最后，本文根据对第三方支付实际活动过程中的风险分析提出了相关建议：对监管机构来说，想要控制第三方支付的风险又不影响市场经济的发展，需根据各类第三方支付公司的经营领域建立分类监管和动态监管体系，根据支付产品的创新尽快完善法律法规。第三方支付企业则要注重安全技术创新和研发，根据历史数据建立精准有效的风险交易拦截机制，营造网络支付的良好信用环境。而消费者也要提高自身的风险防范意识，了解网络支付的流程和安全性。
[Abstract]:With the development of e-commerce market in China, third-party payment accelerates the integration of traditional enterprises with its optimized solutions in the payment industry, and because of its ease of use, trust in transactions. Increasingly favored by consumers and enterprises, it has become the mainstream mode in the field of electronic payment. However, as an innovative market favorite, its risk can not be underestimated. This paper introduces the operation mode, characteristics and development status of third-party payment, and explains the necessity of the existence of third-party payment institution by using the theory of game theory. On this basis, it emphasizes the validity of allowing return to reduce the moral hazard in the transaction. Then the research method combining theory with practice is adopted. Third party payment in the actual process of risk analysis, and the risk analysis of the emphasis on the market risk, credit risk, legal risk and technical risk. Among them, the legal risk is particularly prominent, such as the management of customer reserve funds, the interest of precipitation funds. Third party payment and user's legal relationship are paid more attention. Then the empirical analysis is carried out on the basis of Logistic regression model according to the customer's feedback. Finally, according to the risk analysis of the third party payment process, this paper puts forward some relevant suggestions: for the regulators, the risk of the third party payment will not affect the development of the market economy. It is necessary to establish a classified supervision and dynamic supervision system according to the business field of various third-party payment companies, and improve the laws and regulations as soon as possible according to the innovation of payment products, while the third-party payment enterprises should pay attention to safety technology innovation and research and development. According to the historical data, the accurate and effective risk transaction interception mechanism is established to create a good credit environment for network payment, and consumers should also enhance their awareness of risk prevention and understand the flow and security of network payment.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F724.6;F832.2

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