第三方支付的风险防范研究
目录
ABSTRACT
E-commerce has become more and more closely related to peoples lives, and its development has led to the prosperity of third party pay. Third-party payments have further changed peoples outlook on consumption and life. In recent years, third-party payment has been developing rapidly and the scale of the transaction has been expanding. In China, third-party payment has significant market prospects and market potential. As a new thing, however, the development of the third-party payment high-speed also accompanied by many risks, such as technical updates are not synchronized, the lack of management, and security vulnerabilities, user information, etc., affect the safety and stability of the financial system, further affect the stability of our social economic life. So, the financial risk in third-party payment for analysis and evaluation is necessary, so as to suit the remedy to the case, according to the results achieve risk prevention, maintain healthy and st
*好棒文|www.hbsrm.com +Q: *351916072*
So, the financial risk in third-party payment for analysis and evaluation is necessary, so as to suit the remedy to the case, according to the results achieve risk prevention, maintain healthy and stable economic environment, to protect our countrys financial security.
The research object of this article for third-party payment, first at home and abroad through the third-party payment of literature reading and study, this paper summarized the meaning of the third party payment, development course, present situation and the trend. Secondly, the financial risk of third party payment is carried out in this paper,. Finally from the build the safe operation of the third-party payment platform system, improve the third-party payment platform, the risk management system, perfect the third party payment platform, supervision system and so on aspect puts forward prevention countermeasures and Suggestions.
Keywords: third-party payment; The status quo. Risk; To prevent problems; countermeasures
一、导言
（一）研究背景和意义
由于第三方支付的出现，支付开始朝着快速化、简单化发展，使得个人和公司的支付要求得到了更好的实现。而今，第三方支付成为人们日常生活消费中的重要的环节，各个年龄层段的人都喜欢网购，很多顾客在超市及商场买单时更喜欢选择pos机刷卡或者透支卡刷卡的方式。人们也会选择第三方支付去缴纳手机费、电费、水费等。
同时，越来越多的第三方支付企业脱颖而出，比如快钱、Pay Pal、财付通、支付宝等。从中国第三方网上支付年度数据里我们可以看到一些非常的数据，比如仅仅2016一年的有关业务范畴就有8亿万多亿还有对2018年业务范畴的预计也达到了非常可观的数字，将要比去年增长将近十五万亿，同时这个成长力度也是非常惊人的。到时其在国民经济中的影响力将进一步加强。
但是，新兴产业都有着通病，就是发展历程较短，发展不成熟以及背后存在巨大的风险。第三方支付也毫不例外。近几年，负面事件层出不穷。其背后的隐患正在逐步影响着人们的经济活动，同时人们对于这一问题的重视程度也逐渐加深，防备风险迫在眉睫。
（二） 国内外文献综述
1、国外文献
Sahut（2001）认为用户知晓、隐秘、持久、文件完整、辨别身份、灵活等成分影响安全性。Peffers and Ma（2003）对于这一观点又增加了三个其他成分，使得该研究得到了更深层次发展。Forre
ABSTRACT
E-commerce has become more and more closely related to peoples lives, and its development has led to the prosperity of third party pay. Third-party payments have further changed peoples outlook on consumption and life. In recent years, third-party payment has been developing rapidly and the scale of the transaction has been expanding. In China, third-party payment has significant market prospects and market potential. As a new thing, however, the development of the third-party payment high-speed also accompanied by many risks, such as technical updates are not synchronized, the lack of management, and security vulnerabilities, user information, etc., affect the safety and stability of the financial system, further affect the stability of our social economic life. So, the financial risk in third-party payment for analysis and evaluation is necessary, so as to suit the remedy to the case, according to the results achieve risk prevention, maintain healthy and st
*好棒文|www.hbsrm.com +Q: *351916072*
So, the financial risk in third-party payment for analysis and evaluation is necessary, so as to suit the remedy to the case, according to the results achieve risk prevention, maintain healthy and stable economic environment, to protect our countrys financial security.
The research object of this article for third-party payment, first at home and abroad through the third-party payment of literature reading and study, this paper summarized the meaning of the third party payment, development course, present situation and the trend. Secondly, the financial risk of third party payment is carried out in this paper,. Finally from the build the safe operation of the third-party payment platform system, improve the third-party payment platform, the risk management system, perfect the third party payment platform, supervision system and so on aspect puts forward prevention countermeasures and Suggestions.
Keywords: third-party payment; The status quo. Risk; To prevent problems; countermeasures
一、导言
（一）研究背景和意义
由于第三方支付的出现，支付开始朝着快速化、简单化发展，使得个人和公司的支付要求得到了更好的实现。而今，第三方支付成为人们日常生活消费中的重要的环节，各个年龄层段的人都喜欢网购，很多顾客在超市及商场买单时更喜欢选择pos机刷卡或者透支卡刷卡的方式。人们也会选择第三方支付去缴纳手机费、电费、水费等。
同时，越来越多的第三方支付企业脱颖而出，比如快钱、Pay Pal、财付通、支付宝等。从中国第三方网上支付年度数据里我们可以看到一些非常的数据，比如仅仅2016一年的有关业务范畴就有8亿万多亿还有对2018年业务范畴的预计也达到了非常可观的数字，将要比去年增长将近十五万亿，同时这个成长力度也是非常惊人的。到时其在国民经济中的影响力将进一步加强。
但是，新兴产业都有着通病，就是发展历程较短，发展不成熟以及背后存在巨大的风险。第三方支付也毫不例外。近几年，负面事件层出不穷。其背后的隐患正在逐步影响着人们的经济活动，同时人们对于这一问题的重视程度也逐渐加深，防备风险迫在眉睫。
（二） 国内外文献综述
1、国外文献
Sahut（2001）认为用户知晓、隐秘、持久、文件完整、辨别身份、灵活等成分影响安全性。Peffers and Ma（2003）对于这一观点又增加了三个其他成分，使得该研究得到了更深层次发展。Forre
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