第三方支付信用风险分析及监管机制研究摘 要随着计算机科技的进步，网络使用率和使用范围的不断增加和扩大到生活的各个领域，虚拟交易量也逐渐增加，电子商务逐渐发展起来。但是在交易中因为“看不到”，双方难免会有所顾忌，使电子商务的发展之路遇到了瓶颈。此时需要一个交易双方都能足够信任的交易平台来作为中介机构来保证交易的安全和顺利进行。第三方支付平台则应运而生。如今它已经普及并且开始为生活带来便利。但是在其发展过程中，随着经济社会环境的变化，不同风险和问题也会不断出现。因此，重视第三方支付平台的风险如何防范和应对风险的监管对策如何制定就显得尤为重要。我的文章主要讨论风险及对应的监管机制。通过列举并分析风险，最终提出建议的方式，为电子商务发展提供一定的理论支持。论文问题与对策相对应作为文章的第一三大部分，第二部分的原因分析能够帮助更好的找准问题的根源，对症下药。在每个部分的写作中，我会引入最新的数据并进行分析，并且举出我国应用最为广泛的支付宝为例进行分析。全文围绕风险及监管问题展开。关键词：风险；监管机制；第三方支付AbstractWith the development of computer technology, network usage and various fields are increasing and expanding the scope of use of life, the virtual trading volume also gradually increased, e-commerce is gradually developed. But in the transaction because of "see", the two sides will inevitably make scruples, the development of the e-commerce has encountered a bottleneck. This requires a transaction both sides can trust enough to act as an intermediary trading platform to ensure the safety of the transaction and smoothly. The third party payment platform has emerged. Now it has been popularized and began to bring convenience for life. But in the process of its development, with the changing economic and social environment, different risk And the problem will emerge. Therefore, the emphasis of the third party payment platform for the risk management measures to prevent and respond to the risk to develop is particularly ...
