基于博弈论的第三方支付有效监管的策略研究

发布时间：2018-06-07 13:44

本文选题：监管部门 + 第三方支付　；参考：《重庆大学》2015年硕士论文

【摘要】：近年来,随着电子商务市场的蓬勃发展,作为其重要支撑的第三方支付机构成几何式增长。2010年随着人民银行《非金融机构支付服务管理办法》的出台,我国初步构建了第三方支付监管框架。2011年5月,第一批支付业务许可证的发放不仅预示着第三方支付机构将迎来更加广阔的发展空间,也意味着我国政府将把第三方支付机构的监管纳入到正式的监管体系。如何对第三方支付机构进行有效监管成为人们关注的焦点。第三方支付是一种创新型的支付方式,对监管提出新的要求。监管不足或监管过度都会阻碍第三方支付产业的健康发展,如何在两者之间寻求平衡,实现有效监管成为监管部门面临的新课题。本文拟从第三方支付产业的现状入手,找出其在发展中存在的风险,提出监管部门监管的重要意义。同时分析现阶段我国监管部门对第三方支付市场监管的不足,运用博弈论分析监管部门和第三方支付机构的博弈关系,建立监管模型,为我国第三方支付的有效监管提出监管建议。本文分为五个部分,第一部分分析选题的背景及意义,对国内外第三方支付监管的相关文献进行总结。第二部分主要概述了第三方支付产业发展的现状,阐述第三方支付产业面临的风险,提出第三方支付监管的必要性。第三部分从发展的角度出发,分析美国,欧盟及亚洲等地区第三方支付的发展现状及监管现状,并分析我国第三方支付监管的现状及问题。第四部分着重第三方支付市场监管的博弈分析,分别从静态和动态两个方面分析,得出结论。第五部门通过分析第三方支付机构与监管部门之间的博弈关系,建立委托——代理模型,对我国第三方支付监管提出建议。第六部分是对论文的总结,给出未来可以研究的方向。
[Abstract]:In recent years, with the vigorous development of the e-commerce market, the third-party payment institutions, which are the important support of the third-party payment institutions, have grown in geometric form. 2010, with the introduction of the people's Bank of China (PBOC) "Non-Financial Institution payment Service Management measures", China has initially constructed a regulatory framework for third-party payments. In May 2011, the issuance of the first payment licenses not only foreshadowed a broader development space for third-party payment agencies. It also means that our government will incorporate the regulation of third-party payment agencies into the formal regulatory system. How to supervise the third-party payment institutions has become the focus of attention. Third-party payment is an innovative payment method, which puts forward new requirements to regulation. The lack of supervision or excessive supervision will hinder the healthy development of third-party payment industry. How to find a balance between the two to achieve effective regulation has become a new issue facing the regulatory authorities. This paper intends to start with the current situation of third-party payment industry, find out the risks in the development of the industry, and put forward the significance of regulatory supervision. At the same time, this paper analyzes the deficiency of the supervision of the third party payment market in our country at present, analyzes the game relation between the supervision department and the third party payment institution by using game theory, and establishes the supervision model. Put forward the supervision suggestion for the effective supervision of the third party payment in our country. This paper is divided into five parts. The first part analyzes the background and significance of the topic, and summarizes the related literature on third party payment regulation at home and abroad. The second part mainly summarizes the current situation of the third-party payment industry, expounds the risks faced by the third-party payment industry, and puts forward the necessity of the third-party payment supervision. The third part, from the perspective of development, analyzes the development and supervision of third-party payment in the United States, European Union and Asia, and analyzes the current situation and problems of third-party payment regulation in China. The fourth part focuses on the game analysis of the third party payment market supervision and draws a conclusion from static and dynamic aspects. By analyzing the game relationship between the third party payment institution and the supervision department, the fifth part sets up the principal-agent model and puts forward some suggestions on the third party payment supervision in China. The sixth part is the summary of the paper, and gives the direction of future research.
【学位授予单位】：重庆大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.2;F224.32

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