本文選題：第三方支付 + 貨幣轉(zhuǎn)移��； 參考：《福州大學(xué)》2014年碩士論文

【摘要】：隨著互聯(lián)網(wǎng)技術(shù)和電子商務(wù)的快速發(fā)展,我國(guó)電子支付市場(chǎng)得到了長(zhǎng)足進(jìn)展,互聯(lián)網(wǎng)在線支付年均增長(zhǎng)率超過(guò)了50%,2013年第三方在線支付交易金額達(dá)到53729.8億,第三方支付業(yè)務(wù)在國(guó)民經(jīng)濟(jì)中發(fā)揮的作用日益顯現(xiàn)。由于第三方支付產(chǎn)業(yè)的發(fā)展,第三方支付平臺(tái)沉淀的資金也達(dá)到了驚人的數(shù)額。近年來(lái)由于快捷支付等便捷技術(shù)手段的實(shí)施,各支付公司紛紛推出余額理財(cái)、“紅包”、“錢包”等各種基于支付虛擬賬戶的業(yè)務(wù)創(chuàng)新,種種手段進(jìn)一步大規(guī)模提高了沉淀資金的存量。在我國(guó)第三方支付快速增長(zhǎng)的同時(shí),相關(guān)的監(jiān)管體系卻不能同步跟上。直到2010年《非金融機(jī)構(gòu)支付服務(wù)管理辦法》才由中國(guó)人民銀行公布,針對(duì)第三方支付的規(guī)范管理才初步得到實(shí)現(xiàn),隨著2013年《支付機(jī)構(gòu)客戶備付金存管辦法》的頒布,相關(guān)的法律才稍為完善。但是總體而言,我國(guó)針對(duì)第三方支付管理的立法依然不夠完備,監(jiān)管上多頭管理現(xiàn)象依然存在。另外,第三方支付公司的自身的管理狀況、技術(shù)水平等也是參差不齊,近年來(lái)涉及第三方支付行業(yè)的風(fēng)險(xiǎn)事件層出不窮。在這樣的背景下,對(duì)第三方支付行業(yè)的風(fēng)險(xiǎn),特別是最突出的沉淀資金的風(fēng)險(xiǎn)問(wèn)題的研究具有相當(dāng)重要的現(xiàn)實(shí)意義。筆者基于AHP-模糊綜合評(píng)價(jià)方法,對(duì)第三方支付沉淀資金的風(fēng)險(xiǎn)要素進(jìn)行了層次分解,建立起模糊綜合評(píng)價(jià)模型。通過(guò)調(diào)研手段獲取專家對(duì)我國(guó)第三方支付行業(yè)沉淀資金各風(fēng)險(xiǎn)因素權(quán)重的建議和風(fēng)險(xiǎn)等級(jí)的評(píng)價(jià),并利用建立的模糊綜合評(píng)價(jià)模型進(jìn)行計(jì)算,得到了我國(guó)第三方支付行業(yè)沉淀資金風(fēng)險(xiǎn)的整體處于中等水平的結(jié)論。在此結(jié)論的基礎(chǔ)上,筆者進(jìn)一步結(jié)合實(shí)際情況討論了現(xiàn)階段我國(guó)在第三方支付沉淀資金風(fēng)險(xiǎn)管理方面優(yōu)勢(shì)及主要不足,并對(duì)我國(guó)第三方在線支付沉淀資金的監(jiān)管及自身建設(shè)方面給出了建議。
[Abstract]:With the rapid development of Internet technology and electronic commerce, the electronic payment market in China has made great progress. The average annual growth rate of online payment on the Internet has exceeded 50%, and the amount of online payment transactions reached 5.37298 trillion in 2013. Third-party payment business plays an increasingly important role in the national economy. Due to the development of the third-party payment industry, the third-party payment platform precipitated a staggering amount of funds. In recent years, due to the implementation of quick payment and other convenient technical means, various payment companies have introduced various business innovations based on payment virtual accounts, such as balance management, "red envelopes", "wallets", etc. A variety of means further large-scale increase in the stock of precipitation funds. At the same time, the related regulatory system can not keep pace with the rapid growth of third-party payment in China. It was not until 2010 that the people's Bank of China promulgated the "measures for the Management of payment Services of Non-Financial institutions", and the standardized management of third-party payments was not initially realized. With the promulgation of the "procedures for the Management of customer Reserve funds of payment institutions" in 2013, The relevant laws are only slightly improved. But in general, the legislation on third party payment management is still incomplete, and the phenomenon of long management still exists. In addition, the third party payment company's own management condition, the technical level and so on are also uneven, in recent years involves the third party payment profession the risk event to emerge endlessly. In this context, the research on the risk of third-party payment industry, especially the most prominent risk of precipitation funds, has a very important practical significance. Based on the AHP- fuzzy comprehensive evaluation method, the risk factors of the third party paying precipitated funds are decomposed into layers, and the fuzzy comprehensive evaluation model is established. By means of investigation and research, the experts' suggestions on the weight of each risk factor and the evaluation of the risk grade of the third party payment industry are obtained, and the fuzzy comprehensive evaluation model is used to calculate it. The conclusion that the third-party payment industry in our country precipitates the fund risk is in the middle level as a whole. On the basis of this conclusion, the author further discusses the advantages and disadvantages of the risk management of third-party payment precipitation fund in China at the present stage according to the actual situation. Suggestions on the supervision and construction of third-party online payment deposit funds are also given.
【學(xué)位授予單位】：福州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F724.6;F832.2

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