第三方支付的风险管理研究

发布时间：2018-03-10 02:17

本文选题：第三方支付　切入点：风险分析　出处：《北京邮电大学》2014年硕士论文　论文类型：学位论文

【摘要】：2013年被誉为“互联网金融元年”,2013年以来,互联网金融异军突起,已成为我国金融行业发展的一个重要里程碑。2013年6月13日,第三方支付平台支付宝推出全新的金融服务一一余额宝,它通过与天弘基金合作,采用灵活且较高收益率的方式迅速吸引大量互联网用户。截止2013年12月31日,余额宝的客户数已经达到4303万人,规模为1853亿元。而2013年年底的双十一,已经成为全球最大单日购物狂欢节,单日成交总金额350.19亿,成交量1.88亿笔。第三方支付行业整体市场持续高速增长,根据艾瑞咨询的统计数据,2013年中国第三方互联网支付市场交易规模达到53729.8亿,同比增长了46.8%。2014年市场交易规模预计将达到74368.9亿。今后几年,交易规模预计年增长依然超过30%,而到2017年,中国第三方互联网支付交易规模有望达到184804.4亿元。由此可见,我国的第三方支付具有十分广阔的市场发展前景,并仍具有巨大的发展潜力。然而,第三方支付又属于新兴的产业市场,它在发展过程中必然会面临各种各样的风险。因此,对第三方支付行业的风险进行管理研究和有效控制变得尤为重要。本论文在讨论第三方支付发展现状及运营模式的基础上,分析了第三方支付面临的风险。主要从基于业务和基于系统两方面进行风险分析。基于业务的风险主要介绍了法律风险,金融风险,市场风险,信用风险和声誉风险；而基于系统的风险主要介绍了硬件风险,软件风险和网络风险。并通过在分析国外第三方支付监管的基础上,最后提出了完善我国第三方支付的风险管理建议。
[Abstract]:2013 was praised as "the first year of Internet Finance". Since 2013, Internet Finance has suddenly emerged as an important milestone in the development of financial industry in China. June 13th 2013, Alipay, a third-party payment platform, launched a new financial service, Yu'e Bao, which quickly attracted a large number of Internet users through a flexible and high-yield approach in partnership with Tianhong Fund. Yu'e Bao has 43.03 million customers and a scale of 185.3 billion yuan. At the end of 2013, it has become the world's largest one-day shopping carnival, with a total turnover of thirty-five billion nineteen million yuan per day. Transaction volume is 188 million. The overall market for third-party payment continues to grow at a high speed. In 2013, the market for third-party Internet payment in China reached five trillion three hundred and seventy-two billion nine hundred and eighty million, according to Erie Consulting. The volume of transactions in the market is expected to reach seven trillion four hundred and thirty-six billion eight hundred and eighty-nine million nine hundred and ninety-nine thousand and nine hundred and ninety-nine in the next few years. In the next few years, the volume of transactions is still expected to grow by more than 30 yuan a year, and by 2017, the volume of third-party Internet payment transactions in China is expected to reach eighteen trillion four hundred and eighty billion four hundred and forty million yuan. The third party payment in our country has a very broad market development prospect, and still has huge development potential. However, the third party payment belongs to the emerging industry market, and it will inevitably face various risks in the process of development. It is very important to manage and control the risk of third-party payment industry. Based on the discussion of the current situation and operation mode of third-party payment, This paper analyzes the risk of third-party payment. It mainly analyzes the risk based on business and system. The risk based on business mainly introduces legal risk, financial risk, market risk, credit risk and reputation risk. The risk based on the system mainly introduces the hardware risk, software risk and network risk, and on the basis of analyzing the supervision of foreign third party payment, the paper puts forward some suggestions to perfect the risk management of the third party payment in our country.
【学位授予单位】：北京邮电大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F724.6;F832.2

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