本文關(guān)鍵詞： 第三方支付 商業(yè)銀行 客戶資金安全　出處：《西安建筑科技大學(xué)》2016年碩士論文　論文類型：學(xué)位論文

【摘要】：從二十世紀(jì)六十年代以來,計(jì)算機(jī)技術(shù)與信息技術(shù)的飛速發(fā)展,傳統(tǒng)經(jīng)濟(jì)快速向新興經(jīng)濟(jì)轉(zhuǎn)型,新興經(jīng)濟(jì)中所包含的電子商務(wù)成為了當(dāng)代經(jīng)濟(jì)體系的重要組成部分。隨著電子商務(wù)的不斷發(fā)展,傳統(tǒng)的支付模式已經(jīng)不能夠滿足消費(fèi)者的支付需求,而第三方支付機(jī)構(gòu)的出現(xiàn),極大地解決了電子商務(wù)在發(fā)展過程中的資金流問題,便捷高效地為消費(fèi)者提供了一個(gè)良好的支付環(huán)境。此外,在第三方支付不斷發(fā)展的過程中,隨著更多創(chuàng)新支付產(chǎn)品和業(yè)務(wù)的不斷涌現(xiàn),第三方支付被應(yīng)用到了眾多領(lǐng)域。在第三方支付被不斷普及的情況下,客戶資金問題也存在一定的風(fēng)險(xiǎn),客戶資金安全問題如何保障變得尤為重要,這需要商業(yè)銀行與第三方支付機(jī)構(gòu)協(xié)同合作共同保障客戶的資金安全。論文從第三方支付機(jī)構(gòu)的服務(wù)方式、服務(wù)渠道以及存在的風(fēng)險(xiǎn),第三方支付機(jī)構(gòu)對商業(yè)銀行產(chǎn)生的業(yè)務(wù)沖擊,商業(yè)銀行與第三方支付機(jī)構(gòu)合作方面的研究三個(gè)方面對現(xiàn)有研究成果進(jìn)行了梳理,然后研究了目前客戶資金存在諸多問題,如客戶敏感信息泄露可能被用以攻擊銀行客戶賬戶,客戶資金容易通過第三方支付平臺被盜用,安全認(rèn)證強(qiáng)度不足難以把控風(fēng)險(xiǎn)關(guān)口等。為了解決客戶資金安全問題,商業(yè)銀行與第三方支付機(jī)構(gòu)必須合作發(fā)展,強(qiáng)化商業(yè)銀行與第三方支付機(jī)構(gòu)合作業(yè)務(wù)操作管控、提升銀行與第三方支付機(jī)構(gòu)合作的監(jiān)管力度、商業(yè)銀行與第三方支付機(jī)構(gòu)融合發(fā)展、構(gòu)建安全通道以及細(xì)化商業(yè)銀行與第三方支付機(jī)構(gòu)在備付金方面的管理等方面入手,從而保障客戶的資金安全。
[Abstract]:Since 1960s, the rapid development of computer technology and information technology, the traditional economy rapidly to emerging economies in transition, e-commerce contained in emerging economies has become an important part of modern economic system. With the development of electronic commerce, the traditional payment model has not been able to meet consumer demand for payment, third party payment the emergence of institutions, greatly solve the problem of fund of e-commerce in the development process flow, convenient and efficient to provide a good environment for the consumer to pay. In addition, in the process of the third party payment time, with more innovative payment products and services continue to emerge, the third party payment has been applied to many in the field. The third party payment is the case of the growing popularity of customer funds, there are certain risks, how to protect the safety of customer funds problem This is particularly important, the need for commercial banks and third party payment agencies work together to protect the safety of customer funds. From the third party payment services, service channels and risk, the third party payment mechanism for commercial banks to the business impact of commercial banks and third party payment agencies three the existing research results are summarized, and then study the client's capital has many problems, such as the disclosure of sensitive customer information may be used to attack the bank account, the customer funds easily through the third party payment platform theft, security authentication insufficient strength is difficult to control the risk. In order to solve the problem of the safety of customer funds, commercial the bank and third party payment institutions must strengthen cooperation in the development of commercial banks and third party payment institutions cooperation business operation management, enhance the silver The supervision of cooperation with the third party payment institutions, the integration and development of commercial banks and the third party payment institutions, the establishment of security channels, and the refinement of the management of the commercial banks and the third party payment institutions in the aspect of the reserve fund, so as to ensure the safety of customers' funds.

【學(xué)位授予單位】：西安建筑科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：F724.6;F832.2
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本文編號：1534449