第三方支付对中国银行业风险管理的影响
发布时间：2018-08-14 11:30
【摘要】：自改革开放以来，我国经济持续高速发展，人们的物质生活都有了极大的提高。尤其是上世纪90年代新兴的互联网以及通讯技术，以及以此为基础发展起来的第三方支付行业。从1999年我国首个第三方支付企业的诞生到现在已经高速发展了15年之久。 不可否认，第三方支付的快速发展给我国经济生活带来了巨大的变化：首先，方便了人们诸如网上购物等网上经济生活的支付与结算。其次，形成了银行系统与公共网络的桥梁，加速了银行业发展。同时，第三方支付的业务特点决定了其不能完全独立地完成整个支付流程，必须与商业银行进行合作，这对我国互联网金融以及银行业的发展也带来了一定程度的积极作用。但是，，毕竟第三方支付企业与银行业务有着诸多重叠之处，再加上第三方支付行业相关法律法规、风险监控措施等并没有及时补充与完善，这就对我国银行业带来巨大的冲击和挑战。 本文便是从第三方支付的背景、发展及其存在的问题，分析其对银行业的影响并提出应对措施。 首先，论文从第三方支付行业的理论基础入手，系统介绍了第三方支付的概念，行业特点以及交易流程，分析了我国第三方支付的发展现状和对经济社会的影响。 其次，文章着重分析了第三方支付行业存在的风险，从风险存在的原因，探讨其防范风险的具体措施。 在此基础上，阐述了第三方支付行业的发展给我国银行业带来的影响，以及二者必然合作，有所侧重的趋势。 最后，论文从第三方支付存在的风险，给商业银行的发展带来的机遇和挑战，提出了几点政策性建议。
[Abstract]:Since the reform and opening up, China's economy continues to develop at a high speed, people's material life has been greatly improved. In particular, the new internet and communications technologies, and the third-party payment industry based on them, emerged in the 1990s. From the birth of the first third-party payment enterprise in 1999 to now, it has developed rapidly for 15 years. There is no denying that the rapid development of third-party payment has brought great changes to our economic life: first of all, it facilitates the payment and settlement of online economic life such as online shopping. Secondly, it forms the bridge between banking system and public network, and accelerates the development of banking industry. At the same time, the business characteristics of third-party payment determine that it can not complete the entire payment process completely independently, and it must cooperate with commercial banks, which also has a positive effect on the development of Internet finance and banking industry in China. However, after all, there are many overlaps between the third-party payment enterprises and the banking business. In addition, the related laws and regulations of the third-party payment industry, the risk monitoring measures, and so on, have not been supplemented and perfected in time. This brings huge impact and challenge to our banking industry. From the background, development and existing problems of third-party payment, this paper analyzes its impact on the banking industry and puts forward countermeasures. First of all, the paper introduces the concept, industry characteristics and transaction flow of third-party payment, and analyzes the development of third-party payment and its impact on economy and society. Secondly, the paper analyzes the risk of the third party payment industry, discusses the specific measures to prevent the risk from the reason of the risk. On this basis, the paper expounds the influence of the development of the third party payment industry on the banking industry of our country, and the trend of their inevitable cooperation. Finally, the paper puts forward some policy suggestions from the risk of third-party payment and the opportunities and challenges to the development of commercial banks.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2;F832.33
本文编号：2182717
[Abstract]:Since the reform and opening up, China's economy continues to develop at a high speed, people's material life has been greatly improved. In particular, the new internet and communications technologies, and the third-party payment industry based on them, emerged in the 1990s. From the birth of the first third-party payment enterprise in 1999 to now, it has developed rapidly for 15 years. There is no denying that the rapid development of third-party payment has brought great changes to our economic life: first of all, it facilitates the payment and settlement of online economic life such as online shopping. Secondly, it forms the bridge between banking system and public network, and accelerates the development of banking industry. At the same time, the business characteristics of third-party payment determine that it can not complete the entire payment process completely independently, and it must cooperate with commercial banks, which also has a positive effect on the development of Internet finance and banking industry in China. However, after all, there are many overlaps between the third-party payment enterprises and the banking business. In addition, the related laws and regulations of the third-party payment industry, the risk monitoring measures, and so on, have not been supplemented and perfected in time. This brings huge impact and challenge to our banking industry. From the background, development and existing problems of third-party payment, this paper analyzes its impact on the banking industry and puts forward countermeasures. First of all, the paper introduces the concept, industry characteristics and transaction flow of third-party payment, and analyzes the development of third-party payment and its impact on economy and society. Secondly, the paper analyzes the risk of the third party payment industry, discusses the specific measures to prevent the risk from the reason of the risk. On this basis, the paper expounds the influence of the development of the third party payment industry on the banking industry of our country, and the trend of their inevitable cooperation. Finally, the paper puts forward some policy suggestions from the risk of third-party payment and the opportunities and challenges to the development of commercial banks.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2;F832.33
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本文编号：2182717
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