第三方支付风险及监管研究

发布时间：2018-03-20 03:27

本文选题：第三方支付　切入点：风险　出处：《安徽大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着互联网科技的高速发展,网络技术对经济的影响力变得越来越大,互联网金融这个新行业应运而生。居民的消费方式发生了巨大的变化,依赖于第三方支付机构提供的便捷高效的网络支付方式,传统的实体店消费逐渐过度到网络消费。第三方支付是互联网金融重要的组成部分,它是一个新兴的行业,其利用不断发展的互联网以及移动通信等技术,借助计算机和智能移动手机等通信媒介,在金融机构、商户、消费者之间进行连接,并实现三者之间的金融交易往来活动。具体来看,其一方面是与各大商业银行等金融机构以及不同类型的商户进行合作,并连接银行支付结算系统的接口。另一方面是设立网络账户等支付工具,通过让客户开立虚拟的网络账户的方式,来为客户提供资金划转、支付结算等不同类型的服务。现在第三方支付企业之间的竞争越来越大,为了在短时间内抢占市场,增加用户数量,有些第三方支付机构忽视实名认证注册账号的重要性,使得用户在匿名的情况下也可以注册账号,这使得网络交易中的风险被放大了。除此之外,主体资格风险、违约风险、沉淀资金风险等也值得关注,在网络交易的背景下,监管部门对第三方支付风险的法律监管难度更是显著增大。文章研究的主体是第三方支付行业,笔者将针对第三方支付行业作简明的概述分析,主要涉及概念、功能、特点等内容,以及对目前的第三方支付行业进行现状分析。目前第三方支付行业不断发展,市场规模不断扩大,并且在第三方支付行业当中,支付宝和财付通占据主导地位。接着笔者将对第三方支付存在的风险进行具体详细的分析,主要包括政策法规风险、金融风险、违约风险等。并且在分析这些风险的基础上,结合现实中的风险事件进行补充,进一步阐释这些风险的存在和危害性。最后针对目前第三方支付行业的法律监管现状和存在的问题进行阐述,继而就监管方面提出合理可行的建议。
[Abstract]:With the rapid development of Internet science and technology, the influence of network technology on the economy has become more and more great. Internet finance, a new industry, has emerged as the times require. The consumption patterns of residents have undergone tremendous changes. Relying on the convenient and efficient online payment provided by third-party payment organizations, the traditional physical store consumption is gradually over to network consumption. Third party payment is an important part of Internet finance, and it is a new industry. It uses evolving technologies such as the Internet and mobile communications to connect financial institutions, businesses and consumers by means of communication media such as computers and smart mobile phones. And realize the financial transactions between the three. Specifically, on the one hand, it is to cooperate with major commercial banks and other financial institutions as well as with different types of merchants. It also connects the interface of the bank payment and settlement system. On the other hand, it sets up payment tools such as network accounts to provide clients with funds to transfer by opening virtual network accounts. In order to seize the market in a short time and increase the number of users, some third-party payment organizations ignore the importance of real-name authentication registration accounts. Users can also register accounts under the condition of anonymity, which magnifies the risks in online transactions. In addition, the risk of subject qualification, default risk, deposit capital risk and so on are also worthy of attention. In the context of online trading, The main body of this paper is the third party payment industry, the author will make a brief summary and analysis of the third party payment industry, which mainly involves the concept, function, and function of the third party payment industry. Characteristics and other contents, as well as the analysis of the current situation of the third party payment industry. At present, the third party payment industry continues to develop, the market scale continues to expand, and in the third party payment industry, Alipay and Tenpay occupy a dominant position. Then the author will make a detailed analysis of the risks existing in third-party payments, including the risks of policies and regulations, financial risks, default risks, etc. And on the basis of analyzing these risks, Combined with the risk events in reality to further explain the existence and harmfulness of these risks. Finally, in view of the current situation and problems of the third party payment industry, Then put forward reasonable and feasible suggestions on supervision.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.2

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