第三方在线支付中沉淀资金的风险研究

发布时间：2018-05-17 03:03

本文选题：第三方支付 + 货币转移　；参考：《福州大学》2014年硕士论文

【摘要】：随着互联网技术和电子商务的快速发展,我国电子支付市场得到了长足进展,互联网在线支付年均增长率超过了50%,2013年第三方在线支付交易金额达到53729.8亿,第三方支付业务在国民经济中发挥的作用日益显现。由于第三方支付产业的发展,第三方支付平台沉淀的资金也达到了惊人的数额。近年来由于快捷支付等便捷技术手段的实施,各支付公司纷纷推出余额理财、“红包”、“钱包”等各种基于支付虚拟账户的业务创新,种种手段进一步大规模提高了沉淀资金的存量。在我国第三方支付快速增长的同时,相关的监管体系却不能同步跟上。直到2010年《非金融机构支付服务管理办法》才由中国人民银行公布,针对第三方支付的规范管理才初步得到实现,随着2013年《支付机构客户备付金存管办法》的颁布,相关的法律才稍为完善。但是总体而言,我国针对第三方支付管理的立法依然不够完备,监管上多头管理现象依然存在。另外,第三方支付公司的自身的管理状况、技术水平等也是参差不齐,近年来涉及第三方支付行业的风险事件层出不穷。在这样的背景下,对第三方支付行业的风险,特别是最突出的沉淀资金的风险问题的研究具有相当重要的现实意义。笔者基于AHP-模糊综合评价方法,对第三方支付沉淀资金的风险要素进行了层次分解,建立起模糊综合评价模型。通过调研手段获取专家对我国第三方支付行业沉淀资金各风险因素权重的建议和风险等级的评价,并利用建立的模糊综合评价模型进行计算,得到了我国第三方支付行业沉淀资金风险的整体处于中等水平的结论。在此结论的基础上,笔者进一步结合实际情况讨论了现阶段我国在第三方支付沉淀资金风险管理方面优势及主要不足,并对我国第三方在线支付沉淀资金的监管及自身建设方面给出了建议。
[Abstract]:With the rapid development of Internet technology and electronic commerce, the electronic payment market in China has made great progress. The average annual growth rate of online payment on the Internet has exceeded 50%, and the amount of online payment transactions reached 5.37298 trillion in 2013. Third-party payment business plays an increasingly important role in the national economy. Due to the development of the third-party payment industry, the third-party payment platform precipitated a staggering amount of funds. In recent years, due to the implementation of quick payment and other convenient technical means, various payment companies have introduced various business innovations based on payment virtual accounts, such as balance management, "red envelopes", "wallets", etc. A variety of means further large-scale increase in the stock of precipitation funds. At the same time, the related regulatory system can not keep pace with the rapid growth of third-party payment in China. It was not until 2010 that the people's Bank of China promulgated the "measures for the Management of payment Services of Non-Financial institutions", and the standardized management of third-party payments was not initially realized. With the promulgation of the "procedures for the Management of customer Reserve funds of payment institutions" in 2013, The relevant laws are only slightly improved. But in general, the legislation on third party payment management is still incomplete, and the phenomenon of long management still exists. In addition, the third party payment company's own management condition, the technical level and so on are also uneven, in recent years involves the third party payment profession the risk event to emerge endlessly. In this context, the research on the risk of third-party payment industry, especially the most prominent risk of precipitation funds, has a very important practical significance. Based on the AHP- fuzzy comprehensive evaluation method, the risk factors of the third party paying precipitated funds are decomposed into layers, and the fuzzy comprehensive evaluation model is established. By means of investigation and research, the experts' suggestions on the weight of each risk factor and the evaluation of the risk grade of the third party payment industry are obtained, and the fuzzy comprehensive evaluation model is used to calculate it. The conclusion that the third-party payment industry in our country precipitates the fund risk is in the middle level as a whole. On the basis of this conclusion, the author further discusses the advantages and disadvantages of the risk management of third-party payment precipitation fund in China at the present stage according to the actual situation. Suggestions on the supervision and construction of third-party online payment deposit funds are also given.
【学位授予单位】：福州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F724.6;F832.2

【参考文献】