發(fā)布時(shí)間：2018-08-14 11:30

【摘要】：自改革開(kāi)放以來(lái)，我國(guó)經(jīng)濟(jì)持續(xù)高速發(fā)展，人們的物質(zhì)生活都有了極大的提高。尤其是上世紀(jì)90年代新興的互聯(lián)網(wǎng)以及通訊技術(shù)，以及以此為基礎(chǔ)發(fā)展起來(lái)的第三方支付行業(yè)。從1999年我國(guó)首個(gè)第三方支付企業(yè)的誕生到現(xiàn)在已經(jīng)高速發(fā)展了15年之久。 不可否認(rèn)，第三方支付的快速發(fā)展給我國(guó)經(jīng)濟(jì)生活帶來(lái)了巨大的變化：首先，方便了人們諸如網(wǎng)上購(gòu)物等網(wǎng)上經(jīng)濟(jì)生活的支付與結(jié)算。其次，形成了銀行系統(tǒng)與公共網(wǎng)絡(luò)的橋梁，加速了銀行業(yè)發(fā)展。同時(shí)，第三方支付的業(yè)務(wù)特點(diǎn)決定了其不能完全獨(dú)立地完成整個(gè)支付流程，必須與商業(yè)銀行進(jìn)行合作，這對(duì)我國(guó)互聯(lián)網(wǎng)金融以及銀行業(yè)的發(fā)展也帶來(lái)了一定程度的積極作用。但是，，畢竟第三方支付企業(yè)與銀行業(yè)務(wù)有著諸多重疊之處，再加上第三方支付行業(yè)相關(guān)法律法規(guī)、風(fēng)險(xiǎn)監(jiān)控措施等并沒(méi)有及時(shí)補(bǔ)充與完善，這就對(duì)我國(guó)銀行業(yè)帶來(lái)巨大的沖擊和挑戰(zhàn)。 本文便是從第三方支付的背景、發(fā)展及其存在的問(wèn)題，分析其對(duì)銀行業(yè)的影響并提出應(yīng)對(duì)措施。 首先，論文從第三方支付行業(yè)的理論基礎(chǔ)入手，系統(tǒng)介紹了第三方支付的概念，行業(yè)特點(diǎn)以及交易流程，分析了我國(guó)第三方支付的發(fā)展現(xiàn)狀和對(duì)經(jīng)濟(jì)社會(huì)的影響。 其次，文章著重分析了第三方支付行業(yè)存在的風(fēng)險(xiǎn)，從風(fēng)險(xiǎn)存在的原因，探討其防范風(fēng)險(xiǎn)的具體措施。 在此基礎(chǔ)上，闡述了第三方支付行業(yè)的發(fā)展給我國(guó)銀行業(yè)帶來(lái)的影響，以及二者必然合作，有所側(cè)重的趨勢(shì)。 最后，論文從第三方支付存在的風(fēng)險(xiǎn)，給商業(yè)銀行的發(fā)展帶來(lái)的機(jī)遇和挑戰(zhàn)，提出了幾點(diǎn)政策性建議。
[Abstract]:Since the reform and opening up, China's economy continues to develop at a high speed, people's material life has been greatly improved. In particular, the new internet and communications technologies, and the third-party payment industry based on them, emerged in the 1990s. From the birth of the first third-party payment enterprise in 1999 to now, it has developed rapidly for 15 years. There is no denying that the rapid development of third-party payment has brought great changes to our economic life: first of all, it facilitates the payment and settlement of online economic life such as online shopping. Secondly, it forms the bridge between banking system and public network, and accelerates the development of banking industry. At the same time, the business characteristics of third-party payment determine that it can not complete the entire payment process completely independently, and it must cooperate with commercial banks, which also has a positive effect on the development of Internet finance and banking industry in China. However, after all, there are many overlaps between the third-party payment enterprises and the banking business. In addition, the related laws and regulations of the third-party payment industry, the risk monitoring measures, and so on, have not been supplemented and perfected in time. This brings huge impact and challenge to our banking industry. From the background, development and existing problems of third-party payment, this paper analyzes its impact on the banking industry and puts forward countermeasures. First of all, the paper introduces the concept, industry characteristics and transaction flow of third-party payment, and analyzes the development of third-party payment and its impact on economy and society. Secondly, the paper analyzes the risk of the third party payment industry, discusses the specific measures to prevent the risk from the reason of the risk. On this basis, the paper expounds the influence of the development of the third party payment industry on the banking industry of our country, and the trend of their inevitable cooperation. Finally, the paper puts forward some policy suggestions from the risk of third-party payment and the opportunities and challenges to the development of commercial banks.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.2;F832.33

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