电子商务中第三方支付安全问题及策略研究

Study of Problems and Countermeasures of Third-Party Payment Safety in Electronic Commerce

近年来第三方支付业务发展迅速,已经成为电子商务交易中不可缺少的组成部分。我国第三方支付在发展过程中存在法律法规不健全、信用评价体系粗放、监管不到位等问题。应从健全相关法律法规、加强安全检查、确保支付安全、建立可控的身份认证及信用评价体系、切实加强监督管理等多个方面,进一步促进我国第三方支付健康稳定有序发展。

In recent years, third party payment services have developed rapidly and have become an essential component of online business transactions. In China during the development of third party payment, problems such as incomplete laws and regulations, problematic credit evalua- tion systems, and a lack of supervision etc. have emerged. We should, improve relevant laws and regulations to increase security checks and guarantee secure payment, establish a controllable authentication and credit evaluation system, and strengthen supervision and management etc., to further improve and maintain healthy development of China＇ s third party payment systems.