第三方支付存在的问题及对策研究.doc

第三方支付存在的问题及对策研究

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目 录
第一章 绪论 1
1.1 引言 1
1.2 研究现状 1
第二章 第三方支付概述 2
2.1 第三方支付的定义 2
2.2 第三方支付的类型 2
2.2.1 独立的第三方支付 2
2.2.2 有电子交易平台且具备担保功能的第三方支付 3
2.2.3 有电子商务平台的第三方支付 3
2.3 第三方支付的支付流程 4
2.4 第三方支付的发展历程 4
2.4.1 早期发展阶段：无奈、谨慎的选择 4
2.4.2 中期发展阶段：选择低成本服务的短期目标 5
2.4.3 未来发展阶段：服务自身的长期商业战略 5
第三章 国内第三方支付平台的现状分析 6
3.1 第三方支付现状介绍 6
3.2第三方平台案例分析 7
3.3第三方支付平台的优势和不足 9
第四章 第三方支付存在的问题 11
4.1 行业内竞争激烈 11
4.2 与商业银行存在竞争关系 11
4.3 用户隐私安全成患 12
4.4 法律监督与金融监控体制不明 13
第五章 国内外第三方支付平台的成功案例分析 15
5.1 PayPal——全球最大的第三方支付平台 15
5.1.1 PayPal的基本情况 15
5.1.2 PayPal的发展特色 15
5.2 支付宝——国内最大的第三方支付平台 16
5.2.1 支付宝的基本情况 16
5.2.2 支付宝的发展特色 17
5.3 PayPal与支付宝的成功启示 18
5.3.1 经营模式 18
5.3.2 赢利模式 19
5.3.3 安全性 19
第六章 规范第三方支付市场的几点建议 21
6.1 进一步强化细分市场 21
6.2 完善相关的法律法规 22
6.3 建立以人民银行为中心的第三方监管体系 22
结论 24
致谢 25
参考文献 26

摘要：网上支付是整个电子商务产业链中的核心环节，也是电子商务得以顺利发展的基础条件。基于网上支付的特点而产生的第三方支付，通过其支付平台在买家、卖家和银行之间建立连接，起到信用担保和技术保障作用，实现货币支付、资金流转、资金结算等功能，第三方支付更是以其方便、快捷、安全、业务全面、服务周到而受到用户的广泛支持。近年来，我国第三方支付市场呈现出勃勃的发展生机，已然成为了电子商务产业的佼佼者。
然而，迅速发展的第三方支付产业也面临着许多的困境，本文将其归结为四点：行业内竞争激烈，由于缺乏市场准入规范，众多小型支付平台进入市场并且进行着同质化的低端竞争，降低了整个行业的利润；第三方支付的资金流动依赖于商业银行，却又与其网上银行业务产生重叠，在与银行制定协议时颇为尴尬；所有网上支付的共同问题——用户隐私安全问题，第三方支付的安全技术是否过关直接影响着用户对于第三方支付的信心；相关法律监督、金融监控体制的不完善，导致了第三方支付市场的混乱，消极影响渗入到了第三方支付的各个方面。
由此，本文希望在吸收其他专家的建议后以及通过对国内外各个成功案例的分析中，得出针对上述困境的解决方案，包括：进一步强化细分市场，完善相关的法律法规，建立以人民银行为中心的第三方监管体系三个部分。

关键词：第三方支付 网上银行 平台安全技术


RESEARCH ON THE DEVELOPMENT OF THIRD-PARTY PAYMENT IN CHINA

ABSTRACT：On-line payment is not only the key link in the whole industrial chain of e-commerce, but also a fundamental condition of the smooth development of e-commerce. Third-party payment, which is built based on the features of on-line payment, sets up connections between buyers, sellers and commercial banks. Third-party payment takes responsibility of credit guarantee and technical support and achieves functions like monetary payments, cash flow, settlement funds and so on. Third-party payment is widely welcomed by users for its convenience, time-saving, safe, all-around products and good services. In recent years, the market of third-party payment in our country shows the development of exuberant vitality, which makes third-party payment becomes the leader of e-commerce industry.
However, the industry of third-party payment which is developing swiftly is also facing many difficulties. This paper sums up four points according to these difficulties. Firstly, competition in the industry is fierce. Because of lacking admitting standards, many small third-party payment platforms rush into the industry and fight low-level competitions which lower profits of the whole industry Secondly, on one hand, cash flow of third-party payment rely on commercial banks, on the other hand, third-party payment overlaps the on-line bank of commercial banks. This phenomenon makes platforms in dilemma when making agreement with banks. Thirdly, third-party has the same problem with all on-line payment, which is privacy security problem of users. Whether the security technology of third-party payment meets requirements or not will have direct influence in the confidence of users. Fourthly, relevant legal supervision and financial monitoring is far from complete, which lead to the disorder condition of the market of third-party payment. And the negative impact infiltrates all parts of third-party payment.
Therefore, this paper is hoped to give some solutions to the above four problems after absorbing different suggestions of other experts and scholars and through analyzing various succeed cases at home and abroad. It also includes three parts, which is further strengthening market segments,improving relevant laws and regulations,establishing the People's Bank as the center of a third-party monitoring system.

Key words: third-party payment on-line bank platform ..