第三方支付风险管理研究
发布时间：2018-08-31 18:34
【摘要】：风险是一个广泛存在的概念,同企业发展息息相关,因此风险管理受到很多学者、管理人员的看重。本文重点研究第三方支付行业的风险管理。第三方支付行业是一个新兴的行业,近几年迅猛发展,据统计,2011年仅互联网支付的交易规模就达到2.2万亿元,最近五年的年均增长率超过100%,这是令很多传统行业羡慕的数字。但是高速发展的同时,管理体系衔接不上,往往会引发很多潜在的风险。 在央行的《非金融机构支付服务管理办法》发布以前,行业法律风险突出,但随着监管体系的逐步建立,第三方支付行业违规操作的问题越来越凸显。一旦行业开始以正常速度发展,很多企业都会面临严重的市场风险、操作风险等,关系到生死存亡,因此风险管理对于第三方支付行业而言是非常重要且有现实意义的。 本文通过学习研究,选择了行业最突出的几大风险点,从市场风险、操作风险、技术风险以及其他风险几个方面开展分析,对第三方支付的行业生命周期进行定位,对比了支付企业与银行的优劣势,借以说明它们之间的竞合关系,文中还引用了大量案例资料和数据统计,用事实说话,最终提出一些作者认为可行的应对风险的建议。
[Abstract]:Risk is a widespread concept, closely related to the development of enterprises, so risk management is valued by many scholars and managers. This paper focuses on the risk management of third-party payment industry. The third-party payment industry is a new industry, which has developed rapidly in recent years. According to statistics, the transaction scale of Internet payment alone reached 2.2 trillion yuan in 2011, with an average annual growth rate of more than 100 yuan in the past five years, which is a number envied by many traditional industries. However, with the rapid development, the management system is not connected, which often leads to a lot of potential risks. Before the issuance of the Central Bank's "measures for the Management of payment Services of Non-Financial institutions", the legal risks of the industry are prominent, but with the establishment of the regulatory system, the problem of illegal operations in the third-party payment industry is becoming more and more prominent. Once the industry begins to develop at a normal speed, many enterprises will face serious market risks, operational risks and so on, which are related to life or death, so risk management is very important and practical significance for third-party payment industry. Through the study and research, this paper selects the most prominent risk points of the industry, analyzes the market risk, operational risk, technical risk and other risks, and positioning the industry life cycle of third-party payment. The advantages and disadvantages of payment enterprises and banks are compared in order to explain the competing relationship between them. A large number of cases and statistics are cited in this paper. Finally, some suggestions on how to deal with risks that the author considers feasible are put forward.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2
本文编号：2215818
[Abstract]:Risk is a widespread concept, closely related to the development of enterprises, so risk management is valued by many scholars and managers. This paper focuses on the risk management of third-party payment industry. The third-party payment industry is a new industry, which has developed rapidly in recent years. According to statistics, the transaction scale of Internet payment alone reached 2.2 trillion yuan in 2011, with an average annual growth rate of more than 100 yuan in the past five years, which is a number envied by many traditional industries. However, with the rapid development, the management system is not connected, which often leads to a lot of potential risks. Before the issuance of the Central Bank's "measures for the Management of payment Services of Non-Financial institutions", the legal risks of the industry are prominent, but with the establishment of the regulatory system, the problem of illegal operations in the third-party payment industry is becoming more and more prominent. Once the industry begins to develop at a normal speed, many enterprises will face serious market risks, operational risks and so on, which are related to life or death, so risk management is very important and practical significance for third-party payment industry. Through the study and research, this paper selects the most prominent risk points of the industry, analyzes the market risk, operational risk, technical risk and other risks, and positioning the industry life cycle of third-party payment. The advantages and disadvantages of payment enterprises and banks are compared in order to explain the competing relationship between them. A large number of cases and statistics are cited in this paper. Finally, some suggestions on how to deal with risks that the author considers feasible are put forward.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2
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