第三方支付发展中的风险防控研究

Research on Risk Prevention and Control in the Development of Third Party Payment

对我国第三方支付的风险防控进行研究,指出了目前存在于我国第三方支付中的风险主要有:备付金不规范存放风险、信用体系缺失风险、软硬件技术风险、支付通道风险等.在对风险原因进行分析的基础上,提出在风险防控中要加快监管创新、立法创新、技术创新,具体应体现在规范备付金监管、建立健全社会信用体系、加强消费者保护力度、加快法律创新、提高网络技术水平等方面,使我国的第三方支付得到有序、健康的发展.

It pointed out that the main risks existing in the third party payment in China are as follows： the non standard deposit risk, the lack of credit system risk, the risk of the software and hardware, the risk of the payment channel and so on. On the basis of the analysis of the risk reasons, it suggested that the supervision innovation, the legislative innovation and the technology should be strengthened in the risk prevention and control. Innovation should be embodied in the aspects of standardizing the supervision of payment for payment, establishing and improving the social credit system, strengthening the protection of consumers, speeding up the legal innovation and improving the level of the network technology so as to make the third party payment in our country develop in an orderly and healthy way.