我国移动支付风险防范研究

发布时间：2018-01-25 05:39

本文关键词： 移动支付风险防范安全　出处：《首都经济贸易大学》2017年硕士论文　论文类型：学位论文

【摘要】：移动支付是在互联网和电子商务的快速发展和普及背景下产生的一种新兴的支付方式。由于其方便、快捷、高效等优点,无论是在发达国家还是发展中国家,移动支付都具有非常好的发展前景。作为一种先进的支付手段和消费方式,由于发展速度非常迅猛,不仅在生活中极大的改变着人们目前的支付习惯,同时给传统金融行业带来了巨大的变革。我国作为科技金融发展的先驱国和创新国,目前,移动支付用户已经突破了3亿,在整个2016年,移动支付的交易规模达到了38万亿元,同比增长215.4%,未来,移动支付在持续增长的用户需求下仍将持续发展,同时也将结合科技创新深化影响传统支付方式。移动支付的快速发展以及迅速普及,确实给人们的的生活带来了极大的便利。人们在享受移动支付方便快捷的同时,移动支付也会给用户带来安全方面的担忧。目前,针对移动支付普遍面临的政策风险、运营主体风险以及用户风险,我国仍未出台相对完善的针对移动支付的法律法规,并且没有建立健全的移动支付风险防范系统,所有的这些都阻碍了移动支付向更健康的方向发展,我国的移动支付风险防范措施急需完善。本文在总结我国移动支付相关风险的基础上分析了我国移动支付风险防范的现状和存在的不足。并进一步以目前国内移动支付巨头微信和支付宝为例进行案例分析,整理提出可能存在的风险,并介绍具体的风险防范的措施。同时,借鉴国外移动支付风险防范的经验,并总结归纳相关启示。最后,本文针对我国移动支付风险防范现状并结合国际先进经验为移动支付未来风险防范的完善提供对策建议。
[Abstract]:Mobile payment is a new payment method in the Internet and the rapid development of e-commerce and the Popularization Background. Because of its convenient, fast, efficient, no matter in developed countries or developing countries, have very good prospects for development of mobile payment. As an advanced means of payment and consumption. As the pace of development is very rapid, not only in the life changing greatly the payment habits of the people present at the same time, to the traditional financial industry has brought great changes in China. As a pioneer in the development of science and technology finance and innovation country, at present, mobile payment users has exceeded 300 million, in the 2016, mobile payment transactions reached 38 trillion yuan, an increase of 215.4%, the future of mobile payments in the continued growth of the user demand will continue to grow, but also the combination of science and technology innovation and deepening the traditional payment . the rapid development of mobile payment and the rapid popularization, did to people's lives has brought great convenience. People also enjoy the convenient mobile payment, mobile payment will also bring security concerns. At present, the mobile payment facing policy risks, the operation of the main risk and the risk of the user, I China has not yet promulgated laws and regulations for the mobile payment is relatively perfect, and there is no established mobile payment risk prevention system, all these have hindered the mobile payment to a more healthy direction of China's mobile payment risk prevention measures are in urgent need of improvement. Based on the summary of China's mobile payment related risk analysis the status quo of mobile payment risk prevention in China and the existing problems. And further to the current domestic mobile payment giants WeChat and Alipay as an example Analysis of consolidation made possible risks, and discusses the risk prevention measures. At the same time, foreign mobile payment risk prevention experience, and summarized the relevant enlightenment. Finally, according to China's mobile payment risk prevention and the status of the international advanced experience to provide suggestions for future improvement of risk prevention for mobile payment.

【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.2

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