第三方支付平台的风险及其防范对策分析

Risk Analysis of Third-Party Payment Platform and Its Countermeasure

第三方支付平台在改变人们消费模式与社会运行方式的同时,暗藏的风险也逐渐暴露。本文结合支付宝等案例分析,发现其存在洗钱风险、市场风险、资金沉淀风险、软硬件系统缺陷等风险,认为可从完善立法、用备付金利息设立基金、建立信用评级体系、强化身份认证体系、加强创新与合作等方面防范第三方支付平台的风险。

While the third party payment platform changes people＇s consumption mode and social operation mode, its hidden risk is also gradually exposed. Based on the analysis of Alipay and other cases, it is found that the third - party payment platform has the risk of money laundering , market risk, capital deposit risk, software and hardware system defects and so on. It is considered that the third - party payment platform can be prevented from the aspects of perfecting legislation, establishment of a fund with interest on provisions, establishing credit rating system, strengthening identity authentication system and enhancing innovation and cooperation.