我国互联网第三方支付风险与监管对策研究

目 录

一、导论 ··································································· 4

 

（一）研究目的 ······························································ 4

 

（二）研究现状 ······························································· 4

（三）研究内容与方法 ························································ 4

 

（四）主要创新之处 ·························································· 4

 

二、互联网第三方支付的理论分析 ············································· 4

 

（一）互联网第三方支付定义与特征 ············································ 4

 

（二）互联网第三方支付业务类型 ·············································· 5

 

三、我国互联网第三方支付的风险表现 ········································· 6

 

（一）政策风险 ······························································ 6

 

（二）法律责任风险 ·························································· 6

 

（三）主体资质风险 ·························································· 6

（四）网上洗钱风险 ·························································· 6

（五）技术风险 ······························································ 6

银行拒绝合作的风险 ···················································· 7

（七）客户流失的风险 ························································ 7

（八）替代品的风险 ·························································· 7

（九）同质企业间竞争的风险 ·················································· 7

四、我国互联网第三方支付监管存在的问题 ····································· 7

 

（一）互联网第三方支付监管法律层级太低 ····································· 7

（二）互联网第三方支付监管机构结构单一 ····································· 7

（三）市场准入机制抽象 ····················································· 7 

（四）备付金托管银行不独立 ················································· 7

（五）互联网第三方支付反洗钱规定不明确 ····································· 7

（六）互联网第三方支付信用卡套现立法落后 ···································· 7

五、我国互联网第三方支付风险监管完善对策 ··································· 7

 

（一）明确层次分明的监管主体制度 ··········································· 8

 

（二）完善客户备付金管理制度并建立健全保护机制 ······························ 8

（三）强化沉淀资金监管制度并建立预警机制 ···································· 8

（四）严格网络洗钱和信用卡套现监管制度 ······································ 8

 

（五）完善网络消费者权益保护机制 ············································ 8

六、结论 ··································································· 8

内 容 摘 要

支付活动是现代金融活动的重要组成部分，广泛性、基础性是其极具特色的表现。随着大数据时代的到来，互联网金融作为新兴业态，凭借其平台、庞大的零售客户资源以及大数据这三大优势，不断涌现出新兴企业和新型支付模式。以支付宝、微信支付等为领军代表的金融衍生产品的出现和快速发展，使得了全社会的目光都聚焦在互联网第三方支付身上。互联网第三方支付在有力推动市场经济发展的同时，也暴露了自身存在的业务风险、资金管理风险、信用风险等一系列问题，如果监督和管理不能及时跟进，将会引发市场性甚至系统性风险，这对现有的法律规范以及监管制度提出新的、严峻的挑战。

本文把研究对象锁定在刚刚起步的互联网第三方支付上，对第三方支付的定义、行业特征及发展历程进行了探讨，并将重点放在互联网支付存在的风险分析上，指出了创新型第三方支付机构监管性法律地位界定层级低、市场准入制度不完善、备付金风险、客户信息及资金安全风险等问题，在参考国内外相关做法的基础上，提出了政府监管和行业自律相结合的建议及完善构想，以期对互联网第三方支付的健康有序高效发展提供帮助。

 关键词： 互联网金融 政府监管 风险防控