【摘要】：風(fēng)險是一個廣泛存在的概念,同企業(yè)發(fā)展息息相關(guān),因此風(fēng)險管理受到很多學(xué)者、管理人員的看重。本文重點(diǎn)研究第三方支付行業(yè)的風(fēng)險管理。第三方支付行業(yè)是一個新興的行業(yè),近幾年迅猛發(fā)展,據(jù)統(tǒng)計(jì),2011年僅互聯(lián)網(wǎng)支付的交易規(guī)模就達(dá)到2.2萬億元,最近五年的年均增長率超過100%,這是令很多傳統(tǒng)行業(yè)羨慕的數(shù)字。但是高速發(fā)展的同時,管理體系銜接不上,往往會引發(fā)很多潛在的風(fēng)險。 在央行的《非金融機(jī)構(gòu)支付服務(wù)管理辦法》發(fā)布以前,行業(yè)法律風(fēng)險突出,但隨著監(jiān)管體系的逐步建立,第三方支付行業(yè)違規(guī)操作的問題越來越凸顯。一旦行業(yè)開始以正常速度發(fā)展,很多企業(yè)都會面臨嚴(yán)重的市場風(fēng)險、操作風(fēng)險等,關(guān)系到生死存亡,因此風(fēng)險管理對于第三方支付行業(yè)而言是非常重要且有現(xiàn)實(shí)意義的。 本文通過學(xué)習(xí)研究,選擇了行業(yè)最突出的幾大風(fēng)險點(diǎn),從市場風(fēng)險、操作風(fēng)險、技術(shù)風(fēng)險以及其他風(fēng)險幾個方面開展分析,對第三方支付的行業(yè)生命周期進(jìn)行定位,對比了支付企業(yè)與銀行的優(yōu)劣勢,借以說明它們之間的競合關(guān)系,文中還引用了大量案例資料和數(shù)據(jù)統(tǒng)計(jì),用事實(shí)說話,最終提出一些作者認(rèn)為可行的應(yīng)對風(fēng)險的建議。
[Abstract]:Risk is a widespread concept, closely related to the development of enterprises, so risk management is valued by many scholars and managers. This paper focuses on the risk management of third-party payment industry. The third-party payment industry is a new industry, which has developed rapidly in recent years. According to statistics, the transaction scale of Internet payment alone reached 2.2 trillion yuan in 2011, with an average annual growth rate of more than 100 yuan in the past five years, which is a number envied by many traditional industries. However, with the rapid development, the management system is not connected, which often leads to a lot of potential risks. Before the issuance of the Central Bank's "measures for the Management of payment Services of Non-Financial institutions", the legal risks of the industry are prominent, but with the establishment of the regulatory system, the problem of illegal operations in the third-party payment industry is becoming more and more prominent. Once the industry begins to develop at a normal speed, many enterprises will face serious market risks, operational risks and so on, which are related to life or death, so risk management is very important and practical significance for third-party payment industry. Through the study and research, this paper selects the most prominent risk points of the industry, analyzes the market risk, operational risk, technical risk and other risks, and positioning the industry life cycle of third-party payment. The advantages and disadvantages of payment enterprises and banks are compared in order to explain the competing relationship between them. A large number of cases and statistics are cited in this paper. Finally, some suggestions on how to deal with risks that the author considers feasible are put forward.
【學(xué)位授予單位】：云南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.2

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