目 录
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
