摘要
随着中国经济的发展和国民消费方式的多元化,信用卡作为一种现代化的货币形式得到了快速发展"。便捷,再便捷,更便捷"的消费需求使得刷卡消费向无卡消费的转变成为了时代潮流和必然趋势。伴随着无卡支付的迅速发展,各种支付风险应运而生。文章通过对信用卡无卡支付的主流模式即第三方支付模式的深入分析,阐明了第三方支付的风险来源,并从对支付流程影响的视角将信用卡无卡支付风险进行了合理的分类。在此基础上,从技术、制度和信用等方面提出了控制信用卡无卡支付风险的有效策略。
With the development of economy and the diversification of national consumption, credit card as a modem form of currency develops rapidly in recent years in China. Consumer demand of ＂convenient, longer convenient, more convenient＂ makes card not present an inevitable trend. Along with the rapid development of card not present, a variety of payment risks have emerged. The article clarify the risk sources of third-party platform, and classify the risks reasonably according to their effects on payment process after a deep analysis of the third-party platform model.On this basis, the article gives some effective measures to control the risks from the technical, institutional and credit perspectives.
关键词
信用卡
无卡支付
第三方支付平台
风险管理
credit card card not present the third-party platform risk management
