本文選題：第三方支付　切入點(diǎn)：風(fēng)險(xiǎn)分析　出處：《北京郵電大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：2013年被譽(yù)為“互聯(lián)網(wǎng)金融元年”,2013年以來,互聯(lián)網(wǎng)金融異軍突起,已成為我國金融行業(yè)發(fā)展的一個(gè)重要里程碑。2013年6月13日,第三方支付平臺(tái)支付寶推出全新的金融服務(wù)一一余額寶,它通過與天弘基金合作,采用靈活且較高收益率的方式迅速吸引大量互聯(lián)網(wǎng)用戶。截止2013年12月31日,余額寶的客戶數(shù)已經(jīng)達(dá)到4303萬人,規(guī)模為1853億元。而2013年年底的雙十一,已經(jīng)成為全球最大單日購物狂歡節(jié),單日成交總金額350.19億,成交量1.88億筆。第三方支付行業(yè)整體市場持續(xù)高速增長,根據(jù)艾瑞咨詢的統(tǒng)計(jì)數(shù)據(jù),2013年中國第三方互聯(lián)網(wǎng)支付市場交易規(guī)模達(dá)到53729.8億,同比增長了46.8%。2014年市場交易規(guī)模預(yù)計(jì)將達(dá)到74368.9億。今后幾年,交易規(guī)模預(yù)計(jì)年增長依然超過30%,而到2017年,中國第三方互聯(lián)網(wǎng)支付交易規(guī)模有望達(dá)到184804.4億元。由此可見,我國的第三方支付具有十分廣闊的市場發(fā)展前景,并仍具有巨大的發(fā)展?jié)摿�。然�?第三方支付又屬于新興的產(chǎn)業(yè)市場,它在發(fā)展過程中必然會(huì)面臨各種各樣的風(fēng)險(xiǎn)。因此,對第三方支付行業(yè)的風(fēng)險(xiǎn)進(jìn)行管理研究和有效控制變得尤為重要。 本論文在討論第三方支付發(fā)展現(xiàn)狀及運(yùn)營模式的基礎(chǔ)上,分析了第三方支付面臨的風(fēng)險(xiǎn)。主要從基于業(yè)務(wù)和基于系統(tǒng)兩方面進(jìn)行風(fēng)險(xiǎn)分析。基于業(yè)務(wù)的風(fēng)險(xiǎn)主要介紹了法律風(fēng)險(xiǎn),金融風(fēng)險(xiǎn),市場風(fēng)險(xiǎn),信用風(fēng)險(xiǎn)和聲譽(yù)風(fēng)險(xiǎn)；而基于系統(tǒng)的風(fēng)險(xiǎn)主要介紹了硬件風(fēng)險(xiǎn),軟件風(fēng)險(xiǎn)和網(wǎng)絡(luò)風(fēng)險(xiǎn)。并通過在分析國外第三方支付監(jiān)管的基礎(chǔ)上,最后提出了完善我國第三方支付的風(fēng)險(xiǎn)管理建議。
[Abstract]:2013 was praised as "the first year of Internet Finance". Since 2013, Internet Finance has suddenly emerged as an important milestone in the development of financial industry in China. June 13th 2013, Alipay, a third-party payment platform, launched a new financial service, Yu'e Bao, which quickly attracted a large number of Internet users through a flexible and high-yield approach in partnership with Tianhong Fund. Yu'e Bao has 43.03 million customers and a scale of 185.3 billion yuan. At the end of 2013, it has become the world's largest one-day shopping carnival, with a total turnover of thirty-five billion nineteen million yuan per day. Transaction volume is 188 million. The overall market for third-party payment continues to grow at a high speed. In 2013, the market for third-party Internet payment in China reached five trillion three hundred and seventy-two billion nine hundred and eighty million, according to Erie Consulting. The volume of transactions in the market is expected to reach seven trillion four hundred and thirty-six billion eight hundred and eighty-nine million nine hundred and ninety-nine thousand and nine hundred and ninety-nine in the next few years. In the next few years, the volume of transactions is still expected to grow by more than 30 yuan a year, and by 2017, the volume of third-party Internet payment transactions in China is expected to reach eighteen trillion four hundred and eighty billion four hundred and forty million yuan. The third party payment in our country has a very broad market development prospect, and still has huge development potential. However, the third party payment belongs to the emerging industry market, and it will inevitably face various risks in the process of development. It is very important to manage and control the risk of third-party payment industry. Based on the discussion of the current situation and operation mode of third-party payment, This paper analyzes the risk of third-party payment. It mainly analyzes the risk based on business and system. The risk based on business mainly introduces legal risk, financial risk, market risk, credit risk and reputation risk. The risk based on the system mainly introduces the hardware risk, software risk and network risk, and on the basis of analyzing the supervision of foreign third party payment, the paper puts forward some suggestions to perfect the risk management of the third party payment in our country.
【學(xué)位授予單位】：北京郵電大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F724.6;F832.2

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本文編號：1591320