I摘要 我国第三方支付的风险与控制研究 —— 以支付宝为例 摘 要随着互联网全面化覆盖以及 IT 技术革新，线上支付日渐普及，第三方支付平台也随之出现，如何保证该连接关系的安全稳定成为了成为了第三方支付行业能够稳定发展的重中之重。支付宝公司是全球第三方支付平台中规模最大的企业，具备一定的典型性。故而本文以支付宝为例对第三方支付的风险与控制问题进行探究。文章在绪论部分介绍了研究背景、意义以及国内外研究现状和相关理论；其次对我国第三方支付发展现状进行了论述，重点介绍了支付宝的发展情况；再次对支付宝面临的风险进行了全面分析，包括信用风险、操作风险、市场风险以及其他风险；接着对国内外对第三方支付监管的现状及问题进行了探究，从中得出第三方支付风险与控制的启示；最后提出了完善我国第三方支付的风险控制和监管的措施。以期为支付宝风控工作提供一定的参考，同时对其他第三方支付平台也有一定的参考作用。关键词：第三方支付平台；风险控制；监管措施AbstractWith the comprehensive coverage of the Internet and IT technology innovation, online payment has become increasingly popular, and third-party payment platforms have emerged. How to ensure the security and stability of the connection relationship has become a priority for third-party payment industry to be able to develop steadily. . Alipay is the largest company in the world's third-party payment platform and has certain typical characteristics. Therefore, this article takes Alipay as an example to investigate the risks and control issues of third-party payment. The article introduces the research background, significance, research status at home and abroad, and related theories in the introduction section. Secondly, it discusses the development status of third-party payment in China and focuses on the development of Alipay. It again analyzes the risks faced by Alipay. Including credit risk, operational risk, market risk and other risks; followed by investigation of the status quo and problems of...
