题 目：第三方支付风险管理现状及问题研究——以支付宝为例摘 要目前正值全球互联网科技高速发展期,经济活动中网络技术所占分量正在大幅度提升。由于电子商务的日新月异，我国第三方支付也在快速发展。第三方支付之所以在中国市场占据一席之地，与互联网金融的关系较为密切。由于第三方支付作为新生事物的发展，历史还不够久远。伴随互联网发展的浪潮，第三方支付开始进入公众的视野里，并且逐渐占据重要地位。第三方支付的出现为未来我国互联网经济高速发展增添了一份基础力量，同时也对经济发展起到强大推动力。它的出现一方面弥补了服务业功能的缺失，进一步提高了交易效率；另一方面，进一步完善了互联网经济功能，对于我国支付业体系的健全与发展起到了重要作用。因此第三方支付在发挥中间人的作用、有效满足网上支付需求的同时，存在的不足以及风险也逐渐表现出来。未来，第三方支付业或许可凭借先进的技术水平、全新的行业形态、独特的经营模式在市场上获取广阔的发展空间。本文以第三方支付为研究对象，阐明了第三方支付的内涵、特点以及优缺点；说明了国内外第三方支付的发展历程与现状；按发生业务进行分析，提出了第三方支付在风险管理方面存在的问题，同时通过分析给出了完善对策。关键词：第三方支付；互联网科技；风险管理；支付宝IABSTRACTAt present, in the period of rapid development of global Internet technology, the proportion of network technology in economic activities is being greatly increased. With the rapid development of e-commerce, China's third-party payment is also developing rapidly. The reason why the third-party payment occupies a place in the Chinese market is closely related to the Internet finance. Due to the development of third-party payment as a new thing, the history is not long enough. With the development of the Internet, third-party payment starts to enter the public's view and gradually occupies an important position. The emergence of third-party payment has added a basic force for the future rapid development of China's Internet economy, and also played a strong driving force for economic develo...
