“第三方支付”问题的分析研究.pdfVIP

第三届中美电子商务高级论坛论文集 天津南开大学，2006年6 月 3-5日 International Academic Publishers, pp. 240-245 “第三方支付”问题的分析研究 1 2 张宽海 张靖 1) 2) 西南财经大学经济信息工程学院 成都 610074 摘 要 第三方支付是解决电子商务瓶颈——网上支付信用与安全问题的一个新型模式，它充当商家与消费者之间的信 用纽带，作为交易各方与银行的接口，消除消费者对商家的疑虑提供方便、快捷、简易的支付方式，在很大程度上推动了电 子商务的发展。但这一支付方式也存在着风险，如资金风险、道德风险等。本文在分析目前第三方发展状况的基础上，针对 第三方支付存在的问题，提出了一些政策性建议以对这一新型模式加以规范，引导其健康、快速的成长。 关键词 第三方支付，信用，风险 Analysis and research of Third party payment 1 2 Kuanhai Zhang ，Jing Zhang 1) College of Information Management and Information System, Southwest University of Finance and Economics, Chengdu 610074 (E-mail: zhangkh_t@) 2) College of Information Management and Information System, Southwest University of Finance and Economics, Chengdu 610074 (E-mail: zhangjingldj@126.com) Abstract—The third party payment is new pattern which solves on the bottleneck of electronic commerce the on-line payment credit and security. As a credit link between the merchant and consumer, taking transaction all quarters and the bank, it eliminated the consumer’s doubt and provided a quick, the simple payment way of on-line payment. In the great degree, third party payment impelled the electronic commerce development. But this method also has the risk, such as fund risk, moral risk and so on. Basing on the analysis of the third party development, this article proposed some policy-types suggestion in view of the third party payment problem to standardize this new pattern and guides its growth healthy and fast. Keywords—the third party payment, credit, risk 1.引言