互联网金融第三方支付风险传导及防范措施研究

Research on risk transmission and preventive measures ofthird-party payment in Internet finance

随着互联网技术的不断发展,互联网金融第三方支付平台得到了快速发展,给人们支付方式带来了巨大的影响。文章阐述了我国第三方支付的发展现状,并以支付宝为例展示了第三方支付平台发展模式,分析了互联网金融第三方支付在资金流动中存在的市场性风险、流动性风险、信用性风险、技术性风险,探讨了以上四种风险传导路径,并针对第三方支付风险提出具体防范措施。

With the continuous development of Internet technology,the third-party payment platform of Internet finance has developed rapidly and has a great impact on the change of people’s payment methods.In this paper,we introduce the development status of thirdparty payment in China,and take Alipay as an example to show the mode of third-party payment platform.By analyzing the market risk,liquidity risk,credit risk and technical risk in the capital flow of the third-party payment of Internet finance,we explore the risk transmission path of the above four aspects and put forward concrete preventive measures for the third-party payment risk.