浅谈我国第三方支付的风险及监管 ——以财付通支付科技有限公司为例摘要 随着科技的发展及互联网的普及，第三方支付逐渐走入人们的视野并日渐发挥重要的作用，尤其是在产业链的不断完善之下，第三方支付在电子支付领域内的逐渐居于主导地位，但是由于我国第三方支付市场不够完善等原因，导致其仍然存在不少的问题。文章主要探析我国第三方支付的风险及监管问题，并以财付通支付科技有限公司为例进行具体分析。文章首先概述了相关概念及理论，为后文的研究奠定理论基础；其次分析了我国第三方支付的现状及发展趋势，并重点对财付通支付科技有限公司的发展历程以及模式进行了分析；再次对财付通面临的风险及成因进行具体分析，财付通面临的主要风险为信用风险、操作风险以及市场风险，产生这些风险的可能原因为法律法规较为滞后、企业内部管理不完善以及市场准入及退出机制不健全；最后针对这些问题提出了加强政府监管完善法律法规、加强企业内部控制以及加强行业监管完善进入退出机制的意见与建议。希望本文的研究可以完善财付通的监管，降低其风险，同时促进我国第三方支付行业的发展。关键词：第三方支付；风险；监管；财付通AbstractWith the development of science and technology and the popularity of the Internet, third-party payment gradually into the people's vision and increasingly play an important role, especially in the industry chain under the continuous improvement of third-party payment in the field of electronic payment gradually dominated , But because of China's third-party payment market is not perfect and other reasons, resulting in its still a lot of problems. The article mainly analyzes the risk and supervision of the payment of third party payment in our country, and makes a concrete analysis with the example of TenPay Technology Co., Ltd. The article first summarizes the related concepts and theories, and lays the theoretical foundation for the later research. Secondly, it analyzes the present situation and development trend of the third party payment in our country, and focuses on the develop...
