论文总字数：20129字

摘 要

第三方支付是一种在支付形式上面的创新，它基于现金流、信息流和信用为一体并且聚集了市场竞争、金融风险、信用风险、以及运营风险。我国法律对于第三方支付的中介地位还是缺少相应的明确规定，其市场准入和行业规范还缺乏规范，国内也没有明确第三方支付市场的监管机构。第三方支付是新兴的支付手段，加强监管是必要的，然而不是一位的打压防范，应通过适当的政策积极的引导他的健康良性发展，更好的适应社会需求，维护金融市场稳定发展。

在第三方支付迅速发展的背后，由于网络环境相对不确定性，法律法规的不健全，交易过程中还是常常伴随着风险的，重要的是如何如何进行风险评估并采取有效的方式将风险可能带来的损失降到最低。整理风险管理的思路，找出风险存在的所在加以分析，针对性得提出控制措施。

对于第三方支付的监管方式可以通过博弈论来简要说明，博弈论是通过博弈主体在进行决策时使自身的收益到达最大的一种方法。博弈论对于监管的过程的描述和模拟非常有用，第三方支付市场是由银行、客户、监管部门以及支付机构四方构成，那么对于第三方支付的监管那就可以看作是监管部门对于市场主体决策行为的直接或者间接干预的一种行为。

第三方支付方式中有一种很简单的博弈内容：买方担心支付后拿不到应有的商品或者商品质量得不到保障，所以不愿意先支付；卖方也因为货款问题不能够直接发货。这样就需要买卖双方都信任的交易平台，能够简化交易过、保障交易过程、降低交易成本，对买卖双方的交易行为进行有效地管理和监督。

本文分析了第三方支付的的优势和劣势以及他的运营模式，还有他对现在金融经济市场额影响以及将来面对的挑战。并且基于博弈论的基本原理对买卖双方，银行，第三方做出了简单的推理博弈。在此分析基础上针对第三方支付涉及盈利、合作、信用和创新方面相关对银行企业以及个人提出了建议，同时也为相关市场、业务机构及监督机构提出了监管的建议。

关键词：第三方支付监管；金融市场；博弈论；风险评价

Study on the mode of third party payment and its risk in The Internet financial business

Abstract

Third party payment is a kind of innovation in the form of payment. It is based on the cash flow, information flow and credit as a whole and gathered market competition, financial risk, credit risk and operational risk. China's legal status of the third party payment is lack of clear legal provisions. its market access and industry norms is also lack of norms, there is no clear regulatory agencies to pay the market in the third party.

As a new mean of payment, it is necessary to strengthen the supervision of the third party payment, there is no need to suppress the prevention. Through appropriate policies to actively guide his healthy development, better adapt to social needs, maintain the stable development of financial markets.

Behind the rapid development of the third party payment, due to the relative uncertainty of the network environment, Laws and regulations are not perfect. the transaction process is often accompanied by risks ,the important is how to carry out risk assessment and take effective way to minimize the risks brought about the loss. We should sort out the risk management ideas, identify the risk of the existence of the analysis, and target to put forward control measures.

Finally, the third party payment regulation can be briefly explained by game theory, the game theory is the main way to get the maximum profit by the players in the game. The game theory is very useful for describing and simulating the process of supervision. Third party payment market is made up of banks, customers, regulators and Payment institutions. Then the regulation of the third party payment can be seen as a direct or indirect intervention by the regulatory authorities for the decision-making behavior of the market players.

The third party payment is a very simple game content: The buyer is worried that after the payment of goods or goods’ quality can not be guaranteed. So they don't want to pay first; The seller also can not direct shipment because of the payment of goods. This requires the trading platform for both the buyer and the seller trust, which can simplify the transaction, protect the transaction process, reduce transaction costs, and take effective management and supervision of the trading behavior of the buyer and the seller.

This article analyzes the advantages and disadvantages of the third party payment and his business model, as well as his impact on the current financial and economic market, as well as the challenges facing the future. And based on the basic principles of game theory to the seller and the buyer, the bank, the third party to make a simple game of reasoning. This analysis based on third party payment is related to earnings, cooperation, credit and innovation related to corporate banking and personal recommendations, but also for the relevant market, business mechanism and supervision mechanism proposed regulatory proposals.

Key words: Third Party Payment Regulation; Financial Market; Game Theory; risk analysis

目录

摘要 2

Abstract 4

第一章_引言 8

1.1第三方支付研究的背景及意义 8

1.2国内外文献综述 9

1.2.1国内文献综述 9

1.2.2国外文献综述 10

1.3研究的主要问题和方法 11

1.5论文的基本结构 11

1.4论文的技术路线和创新点 11

图1.研究路线 12

第二章_第三方支付的运营模式 13

2.1第三方支付机构 13

2.1.1银行 13

2.1.2用户 14

2.1.3监管部门 14

2.2 第三方支付模式 15

2.2.1网关支付模式 15

2.2.2支付账户模式 16

第三章_支付市场监管的博弈及其风险分析 18

3.1什么是博弈论 18

3.2一个非技术性的定义 18

3.3模型建立 18

3.4模型分析： 20

3.5第三方支付的风险分析 23

3.5.1政策法律风险 23

3.5.2金融风险 24

3.5.3市场风险 24

3.5.4信用风险 26

3.6第三方支付风险评价 26

3.6.1层次分析法 27

3.6.2模糊综合评价模型 27

第四章_结论 31

致谢 32

参考文献 33

附件 34

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