第三方支付服务市场存在的风险与监管.docVIP

目录 一、第三方支付平台发展现状 3 （一）第三方支付软件原理 3 （二）国内第三方支付软件发展现状 4 1、国内主要第三方支付平台简介 4 2、国外第三方支付软件 5 3、第三方支付软件市场现状 6 二、第三方支付平台缺陷及成因分析 7 （一）资金沉淀问题成因分析 7 （二）虚假套现问题成因分析 8 （三）恶性竞争问题成因分析 9 （四）法制缺陷成因分析 10 三、 第三方支付平台监管及完善 11 （一）关于资金沉淀问题的解决 11 （二）针对信用卡套现问题的解决办法 11 （三）对于行业恶性竞争的对策思考 12 （四）对美国、欧盟第三方支付法制制度的借鉴 12 参考文献 14 第三方支付服务市场存在的风险与监管 [内容摘要]近年来电子商务迅速发展成为商品交易的最新模式，如何进行高效安全的网上支付，是电子商务流程中交易双方最为关心的问题。网上交易双方缺乏信用基础，物流与资金流在时间和空间上也是分离的，信息不对称导致了商家与消费者之间存在利益的冲突。而在当前众多的电子支付方式中,第三方的电子支付平台因为其发挥着商家和银行之间连接、实现第三方监管和技术保障的作用而被广泛地关注。相对于传统的资金划拨交易方式,第三方支付可以比较有效地保障货物质量、交易诚信、退换要求等环节,在整个交易过程中,都可以对交易双方进行约束和监督,因而颇受推崇,尤其是中青年人的欢迎。商它满足了电子商务中商家和消费者对信誉和安全的要求，它的出现和发展是市场发展的必然需求。 在缺乏有效信用体系的网络交易环境中，第三方支付模式的推出，在一定程度上解决了不能对交易双方进行约束和监督， Fast development in recent years, e-commerce has become the latest commodity trading model, how to carry out efficient and secure online payment, e-commerce is in the process the problem of the most concerned about. Online transaction both sides lack credit base, logistics and cash flow in time and space is separated, asymmetric information leads to the conflicts of interest between businesses and consumers, businesses are reluctant to first shipment, afraid cant withdraw the payment after the goods sent; Consumers are reluctant to pay first, dont get the goods or the goods after their worry about paying the quality not guaranteed. The end result is that both sides in the game, is not willing to risk, online shopping cant be. Third-party payment platform is established between businesses and consumers a public, mediation can be trusted. It satisfies in e-commerce businesses and consumers demand for credit and security, its emergence and development is the inevitable demand of market development. In the absence of effective credit system network environment, the introduction of the third-party payment mode, to a certain extent solved the payment of the bank on the net not to restraint and supervision, the both parties in the current system, however, there is a significant hazard