基于电子商务的第三方支付风险研究

A Study of Third-Party Payment Risks in E-Commerce

第三方支付是伴随电子商务支付发展而产生的金融业态,凭借其交易过程有效解决电子商务支付的难题,成为促进电子商务发展的核心技术之一。然而,在电商第三方支付中仍存在法律风险、信息安全风险、金融风险、套现风险等诸多风险,针对第三方支付的风险,提出解决措施,并在此基础上提出未来第三方支付将出现监管日趋规范、规模日趋扩大、竞争日趋激烈、战略日趋升级的发展趋势。

Third-party payment is a financial form arising from the development of e-commerce payment.It effectively solves the problem of e-commerce payment by virtue of its transaction process,and has become one of the core technologies for promoting the development of e-commerce.However,third-party payment in ecommerce is fraught with risks,such as legal risk,information security risk,financial risk and cashing risk.This paper puts forward measures to eliminate third-party payment risk.It then proceeds to illustrate the development trends of third-party payment:increasingly standardized regulation,an expanding scale,increasingly fierce competition,and constant upgrading of strategies.