政府监管第三方网上支付风险研究

发布时间：2018-08-30 07:45

【摘要】：第三方网上支付行业作为新兴的支付创新行业,进入二十一世纪以来发展迅速,据中国人民银行数据显示,2015年仅2季度第三方网上支付的交易笔数为206.60亿笔,金额达11.06万亿元,最近五年的年均增长率超过100%①。第三方网上支付行业的高速发展有效弥补了传统银行业金融机构支付服务领域的空缺,但是迅猛发展的同时,监管手段的滞后以及政策执行不到位,可能导致风险隐患。本文重点从政府监管的角度研究第三方网上支付行业的风险管理。在中国人民银行颁布《非金融机构支付服务管理办法》前,第三方网上支付行业基本处于无监管状态。随着我国支付服务市场的持续开放,第三方支付机构作为市场主体更加广泛深入的参与到支付服务市场竞争中,与广大民众生活联系日渐密切。一旦第三方支付机构产生资金风险,有可能使社会公众利益受到侵害,甚至引发大范围的风险事件,因此从政府层面加大对第三方支付行业的风险控制非常重要且有较大现实意义。本文采用文献研究法、比较分析法、定性分析与定量分析相结合的研究方法,通过研究和学习国内外文献,分析第三方支付发展现状及存在的问题,借鉴了国外第三方网上支付的先进监管模式,选择了行业最突出的六大风险点,构建了基于风控关键环节的评估指标体系,对第三方网上支付的风险设置了衡量指标,并针对政府监管的其他方面提出部分可行的控制风险的建议。
[Abstract]:The third-party online payment industry, as a new and innovative payment industry, has developed rapidly since the 21 century. According to the data of the people's Bank of China, the number of transactions paid online by third parties in the second quarter of 2015 was only 20.66 billion, with a total amount of 11.06 trillion yuan. The average annual growth rate in the last five years has exceeded 100. 1. The rapid development of third-party online payment industry has effectively made up for the gap in the traditional banking financial institutions' payment service field, but with the rapid development, the lagging of regulatory measures and the lack of policy implementation may lead to hidden risks. This paper focuses on the third-party online payment industry risk management from the perspective of government regulation. Before the people's Bank of China promulgated the regulations on payment Services of Non-Financial institutions, the third-party online payment industry was basically unregulated. With the continuous opening of the payment service market in China, the third-party payment institutions, as the main body of the market, participate in the competition of the payment service market more widely and deeply, and become more and more closely connected with the lives of the general public. Once a third-party payment institution produces a financial risk, it may infringe on the public interest of the society, or even lead to a wide range of risk events. Therefore, it is very important and practical to strengthen the risk control of the third party payment industry from the government level. This paper adopts the methods of literature research, comparative analysis, qualitative analysis and quantitative analysis. Through the research and study of domestic and foreign literature, the paper analyzes the current situation and existing problems of third-party payment. This paper draws lessons from the advanced supervision mode of foreign third party online payment, selects the six most prominent risk points in the industry, constructs the evaluation index system based on the key link of wind control, and sets up the measurement index for the risk of the third party online payment. And put forward some feasible risk control suggestions for other aspects of government regulation.
【学位授予单位】：燕山大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.2

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