商业银行与第三方支付机构客户资金安全保障合作研究

发布时间：2018-02-25 17:17

  本文关键词： 第三方支付 商业银行 客户资金安全　出处：《西安建筑科技大学》2016年硕士论文　论文类型：学位论文

【摘要】：从二十世纪六十年代以来,计算机技术与信息技术的飞速发展,传统经济快速向新兴经济转型,新兴经济中所包含的电子商务成为了当代经济体系的重要组成部分。随着电子商务的不断发展,传统的支付模式已经不能够满足消费者的支付需求,而第三方支付机构的出现,极大地解决了电子商务在发展过程中的资金流问题,便捷高效地为消费者提供了一个良好的支付环境。此外,在第三方支付不断发展的过程中,随着更多创新支付产品和业务的不断涌现,第三方支付被应用到了众多领域。在第三方支付被不断普及的情况下,客户资金问题也存在一定的风险,客户资金安全问题如何保障变得尤为重要,这需要商业银行与第三方支付机构协同合作共同保障客户的资金安全。论文从第三方支付机构的服务方式、服务渠道以及存在的风险,第三方支付机构对商业银行产生的业务冲击,商业银行与第三方支付机构合作方面的研究三个方面对现有研究成果进行了梳理,然后研究了目前客户资金存在诸多问题,如客户敏感信息泄露可能被用以攻击银行客户账户,客户资金容易通过第三方支付平台被盗用,安全认证强度不足难以把控风险关口等。为了解决客户资金安全问题,商业银行与第三方支付机构必须合作发展,强化商业银行与第三方支付机构合作业务操作管控、提升银行与第三方支付机构合作的监管力度、商业银行与第三方支付机构融合发展、构建安全通道以及细化商业银行与第三方支付机构在备付金方面的管理等方面入手,从而保障客户的资金安全。
[Abstract]:Since 1960s, the rapid development of computer technology and information technology, the traditional economy rapidly to emerging economies in transition, e-commerce contained in emerging economies has become an important part of modern economic system. With the development of electronic commerce, the traditional payment model has not been able to meet consumer demand for payment, third party payment the emergence of institutions, greatly solve the problem of fund of e-commerce in the development process flow, convenient and efficient to provide a good environment for the consumer to pay. In addition, in the process of the third party payment time, with more innovative payment products and services continue to emerge, the third party payment has been applied to many in the field. The third party payment is the case of the growing popularity of customer funds, there are certain risks, how to protect the safety of customer funds problem This is particularly important, the need for commercial banks and third party payment agencies work together to protect the safety of customer funds. From the third party payment services, service channels and risk, the third party payment mechanism for commercial banks to the business impact of commercial banks and third party payment agencies three the existing research results are summarized, and then study the client's capital has many problems, such as the disclosure of sensitive customer information may be used to attack the bank account, the customer funds easily through the third party payment platform theft, security authentication insufficient strength is difficult to control the risk. In order to solve the problem of the safety of customer funds, commercial the bank and third party payment institutions must strengthen cooperation in the development of commercial banks and third party payment institutions cooperation business operation management, enhance the silver The supervision of cooperation with the third party payment institutions, the integration and development of commercial banks and the third party payment institutions, the establishment of security channels, and the refinement of the management of the commercial banks and the third party payment institutions in the aspect of the reserve fund, so as to ensure the safety of customers' funds.

【学位授予单位】：西安建筑科技大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F724.6;F832.2
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本文编号：1534449