摘要随着智能设施的不停的更新换代，一种建立在传统交易上的新网络交易方式第三方支付出现了。第三方支付以其安全，便捷和简易的特点赢得了广大受众的支持。本文集中论述了第三方支付的现状和现存问题，并以国内支付宝（中国）网络技术有限公司为例，作为国内最多用户选择和使用的第三方支付平台，支付宝相当的具有代表性。本文围绕支付宝现存的问题来看，由于第三方支付的相关保护措施，法律法规的缺乏，导致支付平台的问题不断凸显，存在着用户信息安全问题、市场竞争剧烈、相关法律法规的不完善、沉淀资金的风险，需要提高安全技术，加强信息保护、不断完善支付平台、完善法律法规、加强资金的管理。希望可以为支付宝的竞争发展提出一些合理建议和经验。本文运用了文献研究法进行的专题分析。全文共分五个部分：第一部分讨论了讨论了目前第三方支付所处的背景条件，第二部分讨论对第三方支付和支付宝的作了个简单的解释，并就第三方支付目前的行业现状做了分析，第三部分对支付宝目前存在的一系列问题做了简单的分析，第四部分，根据存在的问题提出解决方法。最后，对本文第三方支付进行了总结。本文主要创新体现在结合最新和真实的数据概括和分析了第三方支付的现状，望能够为在第三方支付路上所遇到的障碍提个建议，以便对第三方支付的发展有更好的了解。关键词：第三方支付支付宝现状发展1ABSTRACTWiththecontinuousupgradingofintelligentfacilities,anewonlinetransactionmethodbasedonthetraditionaltransaction,third-partypayment,hasemerged.Thethird-partypaymenthaswonthesupportofthegeneralaudiencebecauseofitssafety,convenienceandsimplicity.Thistextconcentratesondiscussingthestatusquoandcurrentproblemsofthird-partypayment,andtakesdomesticalipay(China)networktechnologyco.,LTD.(referredtoasalipay)asanexample.Asthelargestnumerofdomesticueserschooseandusethethird-partypaymentplatform,alipayiscomparativerepresantative.Thispaperaroundthepaytreasuretotheexistingproblems,duetothethird-partypaymentpayrelevantprotectionmeasures,thelackoflawsandregulations,leadtotheproblemofpaymentplatformcontinuouslyemerging,existsthesecurityproblemofuserinfo,marketcompetitionisintensifies，involvedlawsandregulationsisfaultiness,theriskofsettlingfunds,needtoenhancesafetyengineering,enhacnemessageprotection,andunceasingpaymentplatform,completelawsandregulations,enhacnethemanagementoffunds.Mywishisputforwardsomereasonableprpposalsandexperienceforthecompetitivedevelopmentofalipay.Thispaperisathematicanalysisusingliteratureresearch.Thepaperisdividedintofiveparts:Thefirstpartdiscussesthebackgroundconditionsofthethirdpartypayment,ThesecondpartdiscussesasimpleexplanationofthethirdpartypaymentandAlipay,andanalyzesthecurrentstatusofthethirdpartypaymentindustry,thethirdpartanalyzesthecurrentproblemsofalipay,thefourthpart,accordingtotheexistingproblemsputforwardsolutions.Finally,thethird-partypaymentissummarized.Themaininnovationofthispaperistosummarizeandanalyzethestatusquoofthird-partypaymentbycombiningthelatestandrealdata.IhopetomakeSuggestionsontheobstaclesencounteredinthewayofthird-partypayment,soastohaveabetterunderstandingofthedevelopmentofthird-partypayment.Keywords:ThirdpartypaymentAlipayCurrentsituationDevelopment2目录一、引言.....................................................................................................1（一）选题背景及意义.................................................................................................1（二）文献综述.............................................................................................................1二、关于互联网第三方支付和支付宝的概...
