發(fā)布時(shí)間：2018-04-15 04:25

  本文選題：第三方支付 + 風(fēng)險(xiǎn)��； 參考：《天津商業(yè)大學(xué)》2015年碩士論文

【摘要】：隨著互聯(lián)網(wǎng)的普及電子商務(wù)與人們的生活關(guān)系越來越密切,而第三方支付的出現(xiàn)進(jìn)一步改變了人們的生活方式和消費(fèi)理念。我國的第三方支付從2002年至今經(jīng)歷了從無到有、從只被少數(shù)人了解到被大眾所熟知的過程,這期間第三方支付不斷發(fā)展壯大,形成了自身優(yōu)勢(shì),不僅占據(jù)了相應(yīng)的市場(chǎng)份額還對(duì)很多傳統(tǒng)行業(yè)造成了一定的沖擊和影響。目前,第三方支付市場(chǎng)的集中度較高,以支付寶為代表的第三方支付巨頭占據(jù)著整個(gè)市場(chǎng)的半壁江山,并且其經(jīng)營范圍也在不斷擴(kuò)展,從最初的辦理支付結(jié)算到現(xiàn)在涉及醫(yī)療、繳費(fèi)、查詢等日常生活的方方面面�，F(xiàn)階段,整個(gè)第三方支付市場(chǎng)正逐步向成熟階段邁進(jìn),隨之而來的是部分細(xì)分板塊已經(jīng)出現(xiàn)飽和,新形勢(shì)下,各大第三方支付機(jī)構(gòu)都在整合資源,不斷進(jìn)行金融創(chuàng)新,以期在不斷變化的市場(chǎng)中尋找出新的增長點(diǎn)。但是伴隨著規(guī)模的擴(kuò)大和業(yè)務(wù)范圍的擴(kuò)張風(fēng)險(xiǎn)也逐步暴露出來并日益影響著第三方支付的進(jìn)一步發(fā)展。在互聯(lián)網(wǎng)金融的大背景下,如何有效控制第三方支付的風(fēng)險(xiǎn),使其在規(guī)范運(yùn)作的范圍內(nèi)充分發(fā)揮自身優(yōu)勢(shì)為大眾提供多樣化的便捷服務(wù)成為新時(shí)期亟待解決的問題。本文首先從第三方支付的概念、特征和功能作用入手進(jìn)行分析,在此基礎(chǔ)上進(jìn)一步理清我國第三方支付的發(fā)展脈絡(luò),從而針對(duì)互聯(lián)網(wǎng)金融背景下的新發(fā)展進(jìn)行總結(jié)和歸納。其次,針對(duì)現(xiàn)階段第三方支付的風(fēng)險(xiǎn)進(jìn)行研究,本文將第三方支付的特有風(fēng)險(xiǎn)歸納為五類,分別是合規(guī)風(fēng)險(xiǎn)、沉淀資金風(fēng)險(xiǎn)、網(wǎng)絡(luò)系統(tǒng)風(fēng)險(xiǎn)、網(wǎng)絡(luò)欺詐風(fēng)險(xiǎn)和糾紛處理風(fēng)險(xiǎn),并針對(duì)這些風(fēng)險(xiǎn)找出其中的形成原因。緊接著,在第四部分,本文將國內(nèi)最大的第三方支付機(jī)構(gòu)——支付寶的運(yùn)作機(jī)理進(jìn)行案例分析,在此基礎(chǔ)上結(jié)合國外第三方支付在風(fēng)險(xiǎn)防范中的舉措提出合適我國的一些政策建議,主要從四個(gè)方面來展開:一是從監(jiān)管方面,國家應(yīng)該進(jìn)一步完善法律法規(guī),針對(duì)第三方支付洗錢風(fēng)險(xiǎn)制定專門的管理辦法。同時(shí),建立第三方支付的評(píng)價(jià)標(biāo)準(zhǔn),完善行業(yè)的退出機(jī)制;二是從社會(huì)信用體系方面,國家應(yīng)該完善個(gè)人征信體系,逐步建立起商業(yè)性的征信系統(tǒng)。同時(shí),建立個(gè)人信用評(píng)級(jí)制度,完善個(gè)人信用數(shù)據(jù)庫;三是從行業(yè)自律方面,協(xié)會(huì)應(yīng)該制定行業(yè)準(zhǔn)則,并加強(qiáng)與各方的合作,協(xié)調(diào)行業(yè)內(nèi)部的相關(guān)問題;四是從機(jī)構(gòu)內(nèi)部建設(shè)方面,機(jī)構(gòu)應(yīng)該重視自身風(fēng)險(xiǎn)防控、加強(qiáng)網(wǎng)絡(luò)基礎(chǔ)設(shè)施建設(shè)和人員培訓(xùn),從源頭上控制風(fēng)險(xiǎn)事件的發(fā)生。只有各方相互配合,共同努力,才能為第三方支付行業(yè)提供良好的生存環(huán)境,保證其可持續(xù)發(fā)展。
[Abstract]:With the popularity of the Internet electronic commerce is more and more closely related to people's life and the appearance of third-party payment has further changed people's way of life and consumption concept.From 2002 to now, the third-party payment in China has experienced a process from nothing to existence, from being known by only a few people to being well known to the public. During this period, third-party payment has been developing and expanding, forming its own advantages.Not only has occupied the corresponding market share also caused certain impact and influence to many traditional industries.At present, the concentration of the third-party payment market is relatively high. The third-party payment giant represented by Alipay accounts for half of the entire market, and its business scope is constantly expanding, from the initial payment settlement to the current medical treatment.Payment, inquiry and other aspects of daily life.At this stage, the whole third-party payment market is gradually moving towards the mature stage, followed by the saturation of some subdivisions. Under the new situation, the major third-party payment institutions are integrating resources and continuously carrying out financial innovation.In order to find a new growth point in the constantly changing market.But with the expansion of scale and scope of business risks are gradually exposed and increasingly affect the further development of third-party payments.Under the background of Internet finance, how to effectively control the risk of third-party payment and how to make full use of its advantages to provide convenient services for the public within the scope of normative operation has become a problem to be solved urgently in the new era.In this paper, the concept, characteristics and function of third-party payment are analyzed, and then the development of third-party payment in China is further clarified, so as to summarize and summarize the new development under the background of Internet finance.Secondly, aiming at the risk of third party payment at this stage, this paper sums up the special risk of third party payment into five categories, namely, compliance risk, deposit fund risk, network system risk, network fraud risk and dispute handling risk.And in view of these risks to find out the formation of the reasons.Then, in the fourth part, this paper analyzes the operation mechanism of Alipay, the largest third-party payment organization in China.On this basis, combined with the foreign third-party payment in the risk prevention measures to put forward some policy recommendations suitable for our country, mainly from four aspects: first, from the aspect of supervision, the state should further improve the laws and regulations.Develop special management methods for third party payment of money laundering risk.At the same time, the evaluation standard of third-party payment should be established, and the withdrawal mechanism of the industry should be perfected. Second, from the aspect of social credit system, the country should perfect the personal credit system and gradually establish the commercial credit system.At the same time, establish personal credit rating system, perfect personal credit database; third, from the industry self-discipline, the association should formulate industry guidelines, and strengthen cooperation with all parties to coordinate the relevant issues within the industry;Fourth, in the aspect of internal construction, institutions should pay attention to their own risk prevention and control, strengthen the network infrastructure construction and personnel training, and control the occurrence of risk events from the source.Only when all parties cooperate with each other and make joint efforts, can we provide a good living environment for the third party payment industry and ensure its sustainable development.
【學(xué)位授予單位】：天津商業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F724.6;F832.2

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本文編號(hào)：1752518