第三方支付风险机理及监管研究—以支付宝为例.pdf

本科论文 摘 要 近年来，第三方支付的发展变得越来越快，并且在各个方面持续的对传统支付方式 产生了一定的影响。如今，随着第三方支付的不断发展，在它们之间，支付宝和其他支 付平台已成为人们日常生活中的常见支付方式，其中当属支付宝在第三方支付中对人们 的影响最大。国内外已有学者研究和讨论了第三方支付的风险，并提出了相应的监管建 议。本文将以第三方支付领域的领导者支付宝为例，结合不同学者的研究，结合《第三 方支付发展报告》，专门阐述第三方支付的风险机理和相关监管措施，为将来的研究铺 平道路。 关键词：第三方支付，支付宝，风险机理，监管 本科论文 Abstract In recent years, the development of the third party payment has become faster an d faster, and has a certain impact on traditional payment methods in all aspects.Nowa days, with the development of the third party payment, among them, Alipay and other payment platforms have become the common way of payment in peoples daily life.Al ipay has the greatest impact on people in the third party payment.Some scholars at ho me and abroad have studied and discussed the risks of the third party payment, and p ut forward corresponding supervision suggestions. This article take Alipay, the leader o f the third party payment field as an example, combine the research of the other stud ents, and combine the third party payment development report, elaborate the risk mech anism and relevant supervision measures of the third party payment, and pave the way for future research. Key words: Third-Party payment, Alipay, Risk mechanism, Supervision 本科论文 目 录 前 言1 1 绪论 2 1.1 研究背景和研究意义 2 1.2 国内外研究现状 3 1.2.1 国外研究现状 3 1.2.2 国内研究现状 3 1.3 研究思路及方法 3 1.3.1 研究内容 3 1.3.2 研究方法 4 2 相关概念及理论 5 2.1 第三方支付的概念 5 2.2 理论基础 5 2.2.1 金融脆弱理论 5