摘 要

随着电子商务的不断发展，第三方支付平台应运而生。在促进消费模式转型升级的同时，也带了诸多的风险和挑战。第三方支付平台在法律规范和监管方面仍存在一些漏洞，这就要有关部门加强立法和监管。本文在对国内外研究现状进行分析的基础上，对目前我国第三方平台的发展现状和发展趋势进行总结，概括归纳出第三方支付平台存在的系统风险、信用风险、法律风险和监管问题，最后，提出加强系统安全管理、降低系统安全风险，完善个人征信系统、加快信用体系建设，明确监管主体、完善监管体系三大风险防控措施。

关键词：第三方支付平台；系统风险;信用风险;法律风险；风险控制

Abstract

With the continuous development of electronic commerce, the third-party payment platform arises at the historic moment. While promoting the transformation and upgrading of consumption patterns, it also brings many risks and challenges. There are still some loopholes in the legal norms and supervision of the third-party payment platform, which requires relevant departments to strengthen legislation and supervision. Based on the analysis of the research status at home and abroad, this paper summarizes the development status and trend of the third-party payment platform in our country, summarizes the system risks, credit risks, legal risks and regulatory issues existing in the third-party payment platform, and finally puts forward three major risk prevention and control measures: strengthening the system security management, reducing the system security risks, improving the personal credit reporting system, accelerating the credit system construction, clarifying the regulatory body and improving the regulatory system.

Key Words：third-party payment platform; system risks; credit risks; legal risks ; risk control

目 录

第1章 绪论.........................................................1

1.1 研究背景........................................................1

1.2 文献综述........................................................1

1.2.1 国外研究现状..................................................1

1.2.2 国内研究现状..................................................2

1.3 研究内容及研究方法..............................................3

1.3.1 研究内容......................................................3

1.3.2 研究方法......................................................3

第2章 第三方平台...................................................5

2.1 第三方平台概念..................................................5

2.2 第三方平台发展现状..............................................6

2.3 第三方平台发展趋势..............................................7

第3章 第三方平台的风险状况.........................................8

3.1 第三方支付行业的风险............................................8

3.2 不同平台模式的风险分析..........................................8

3.2.1 支付宝平台的风险分析..........................................8

3.2.2 微信支付平台的风险分析.......................................10

3.3 第三方支付风险的监管现状.......................................12

第4章 强化我国第三方支付风险控制的措施............................13

4.1 加强系统安全管理，降低系统安全风险..............................13

4.2 加强内部控制体系建设，降低套现和洗钱风险........................13

4.3 完善个人征信系统，加快信用体系建设..............................14

4.4 明确监管主体，完善监管体系......................................15

参考文献...........................................................16

致谢...............................................................18

第1章 绪论

1.1 研究背景