浅谈我国第三方支付的风险及监管

摘要····························································2

一、引言························································3

（一）研究目的 ·················································3

（二）研究意义 ·················································3

（三）已有研究综述··············································3

二、第三方支付的概述············································3

（一）第三方支付的概念··········································3

1、第三方支付的定义·············································3

2、第三方支付的支付环节·········································3

3、第三方支付的分类·············································4

（二）第三方支付的优缺点········································4

1、第三方支付的优点·············································4

2、第三方支付的缺点·············································4

（三）第三方支付的发展现状······································4

1、第三方支付发展历史···········································4

2、现阶段第三方支付发展现状·····································5

三、第三方支付存在的风险········································5

（一）第三方支付在交易安全上的风险······························5

1、用户的信息泄露风险···········································5

2、信用风险·····················································5

（二）第三方支付在操作上的风险··································5

1、洗钱风险·····················································5

2、套现风险·····················································6

（三）第三方支付在资金沉淀的风险································6

（四）第三方支付金融犯罪风险的存在······························6

四、第三方支付存在的监管········································6

（一）构建第三方支付安全运行机制································6

1、完善第三方支付平台的系统·····································6

2、增强消费者的信息安全防范意识 ································7

（二）建立完备的第三方支付平台管理机制··························7

1、严格把控第三方支付平台的牌照·································7

2、建立第三方平台信息披露制度···································7

（三）建立第三方支付平台的监管体制······························7

1、成立第三方支付清算平台·······································7

2、完善和健全法律法规···········································8

3、建立个人信用评分制度·········································8

参考文献························································9

内 容 摘 要

随着我国电子商务迅猛发展，网络消费大幅增长，第三方支付越来越普遍。虽然第三方支付的使用率越来越高，而且给我们的生活带来了很多便利，但第三方支付依然存在风险。因此，加强对第三方支付的监管是极其重要的。第三方支付安全性的保证足以推动第三方支付的发展。本文在对第三方支付的定义、特点及发展现状进行分析的基础上，结合目前第三方支付的存在风险状况，提出了相应的监管建议。

关键词：第三方支付、风险、监管