浅谈我国第三方支付的风险及监管

内 容 摘 要

    随着互联网金融的高速发展,移动终端的支付手段也越来越多样化,第三方支付正潜移默化的改变我们的生活.第三方支付作为新的支付交易，在小额款项和生活场景中具有传统支付方式无法比拟的便利性，因此其逐渐发展以至于平行于银行而存在，三方支付体系创新和经济发展的同时，也引发了一系列的问题，如技术安全风险、个人信息风险、平台资金沉淀风险、非法套现、洗钱等，在庞大的体量和飞速的发展速度之下，这些问题对国内金融市场的稳定产生了严重的威胁，因此，加强对第三方支付的风险与防范监管是极其重要的

[关键词]：技术安全风险、平台资金沉淀、在途资金、三方平台社会信用体系

目       录

摘要································································1

关键词······························································1

第一部分现状分析···················································3

（一）支付交易 支付平台 ··········································3（二）关于第三方支付平台的概述  ····································3（三）第三方支付发展现状 ···········································3

第二部分第三方存在风险及存在问题····································4

第三方支付存在的风险 ········································4

第三方支付在安全技术上的风险·································4

第三方支付平台沉淀资金的风险································5

第三方支付洗黑钱、信用卡套现风险的存在······················5

（二）第三方支付监管方面存在的问题··································5

（1）沉淀资金·······················································5

（2）在途资金·······················································5

第三部分 风险防范和监管·············································5

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

完善第三方支付平台社会信用体系································6

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

总结·······························································8

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