第三方支付的风险及其防范研究

发布时间：2018-04-15 04:25

本文选题：第三方支付 + 风险　；参考：《天津商业大学》2015年硕士论文

【摘要】：随着互联网的普及电子商务与人们的生活关系越来越密切,而第三方支付的出现进一步改变了人们的生活方式和消费理念。我国的第三方支付从2002年至今经历了从无到有、从只被少数人了解到被大众所熟知的过程,这期间第三方支付不断发展壮大,形成了自身优势,不仅占据了相应的市场份额还对很多传统行业造成了一定的冲击和影响。目前,第三方支付市场的集中度较高,以支付宝为代表的第三方支付巨头占据着整个市场的半壁江山,并且其经营范围也在不断扩展,从最初的办理支付结算到现在涉及医疗、缴费、查询等日常生活的方方面面。现阶段,整个第三方支付市场正逐步向成熟阶段迈进,随之而来的是部分细分板块已经出现饱和,新形势下,各大第三方支付机构都在整合资源,不断进行金融创新,以期在不断变化的市场中寻找出新的增长点。但是伴随着规模的扩大和业务范围的扩张风险也逐步暴露出来并日益影响着第三方支付的进一步发展。在互联网金融的大背景下,如何有效控制第三方支付的风险,使其在规范运作的范围内充分发挥自身优势为大众提供多样化的便捷服务成为新时期亟待解决的问题。本文首先从第三方支付的概念、特征和功能作用入手进行分析,在此基础上进一步理清我国第三方支付的发展脉络,从而针对互联网金融背景下的新发展进行总结和归纳。其次,针对现阶段第三方支付的风险进行研究,本文将第三方支付的特有风险归纳为五类,分别是合规风险、沉淀资金风险、网络系统风险、网络欺诈风险和纠纷处理风险,并针对这些风险找出其中的形成原因。紧接着,在第四部分,本文将国内最大的第三方支付机构——支付宝的运作机理进行案例分析,在此基础上结合国外第三方支付在风险防范中的举措提出合适我国的一些政策建议,主要从四个方面来展开:一是从监管方面,国家应该进一步完善法律法规,针对第三方支付洗钱风险制定专门的管理办法。同时,建立第三方支付的评价标准,完善行业的退出机制;二是从社会信用体系方面,国家应该完善个人征信体系,逐步建立起商业性的征信系统。同时,建立个人信用评级制度,完善个人信用数据库;三是从行业自律方面,协会应该制定行业准则,并加强与各方的合作,协调行业内部的相关问题;四是从机构内部建设方面,机构应该重视自身风险防控、加强网络基础设施建设和人员培训,从源头上控制风险事件的发生。只有各方相互配合,共同努力,才能为第三方支付行业提供良好的生存环境,保证其可持续发展。
[Abstract]:With the popularity of the Internet electronic commerce is more and more closely related to people's life and the appearance of third-party payment has further changed people's way of life and consumption concept.From 2002 to now, the third-party payment in China has experienced a process from nothing to existence, from being known by only a few people to being well known to the public. During this period, third-party payment has been developing and expanding, forming its own advantages.Not only has occupied the corresponding market share also caused certain impact and influence to many traditional industries.At present, the concentration of the third-party payment market is relatively high. The third-party payment giant represented by Alipay accounts for half of the entire market, and its business scope is constantly expanding, from the initial payment settlement to the current medical treatment.Payment, inquiry and other aspects of daily life.At this stage, the whole third-party payment market is gradually moving towards the mature stage, followed by the saturation of some subdivisions. Under the new situation, the major third-party payment institutions are integrating resources and continuously carrying out financial innovation.In order to find a new growth point in the constantly changing market.But with the expansion of scale and scope of business risks are gradually exposed and increasingly affect the further development of third-party payments.Under the background of Internet finance, how to effectively control the risk of third-party payment and how to make full use of its advantages to provide convenient services for the public within the scope of normative operation has become a problem to be solved urgently in the new era.In this paper, the concept, characteristics and function of third-party payment are analyzed, and then the development of third-party payment in China is further clarified, so as to summarize and summarize the new development under the background of Internet finance.Secondly, aiming at the risk of third party payment at this stage, this paper sums up the special risk of third party payment into five categories, namely, compliance risk, deposit fund risk, network system risk, network fraud risk and dispute handling risk.And in view of these risks to find out the formation of the reasons.Then, in the fourth part, this paper analyzes the operation mechanism of Alipay, the largest third-party payment organization in China.On this basis, combined with the foreign third-party payment in the risk prevention measures to put forward some policy recommendations suitable for our country, mainly from four aspects: first, from the aspect of supervision, the state should further improve the laws and regulations.Develop special management methods for third party payment of money laundering risk.At the same time, the evaluation standard of third-party payment should be established, and the withdrawal mechanism of the industry should be perfected. Second, from the aspect of social credit system, the country should perfect the personal credit system and gradually establish the commercial credit system.At the same time, establish personal credit rating system, perfect personal credit database; third, from the industry self-discipline, the association should formulate industry guidelines, and strengthen cooperation with all parties to coordinate the relevant issues within the industry;Fourth, in the aspect of internal construction, institutions should pay attention to their own risk prevention and control, strengthen the network infrastructure construction and personnel training, and control the occurrence of risk events from the source.Only when all parties cooperate with each other and make joint efforts, can we provide a good living environment for the third party payment industry and ensure its sustainable development.
【学位授予单位】：天津商业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.2

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