本文選題：第三方支付 + 貨幣轉(zhuǎn)移�。� 參考：《福州大學》2014年碩士論文

【摘要】：隨著互聯(lián)網(wǎng)技術(shù)和電子商務的快速發(fā)展,我國電子支付市場得到了長足進展,互聯(lián)網(wǎng)在線支付年均增長率超過了50%,2013年第三方在線支付交易金額達到53729.8億,第三方支付業(yè)務在國民經(jīng)濟中發(fā)揮的作用日益顯現(xiàn)。由于第三方支付產(chǎn)業(yè)的發(fā)展,第三方支付平臺沉淀的資金也達到了驚人的數(shù)額。近年來由于快捷支付等便捷技術(shù)手段的實施,各支付公司紛紛推出余額理財、“紅包”、“錢包”等各種基于支付虛擬賬戶的業(yè)務創(chuàng)新,種種手段進一步大規(guī)模提高了沉淀資金的存量。在我國第三方支付快速增長的同時,相關(guān)的監(jiān)管體系卻不能同步跟上。直到2010年《非金融機構(gòu)支付服務管理辦法》才由中國人民銀行公布,針對第三方支付的規(guī)范管理才初步得到實現(xiàn),隨著2013年《支付機構(gòu)客戶備付金存管辦法》的頒布,相關(guān)的法律才稍為完善。但是總體而言,我國針對第三方支付管理的立法依然不夠完備,監(jiān)管上多頭管理現(xiàn)象依然存在。另外,第三方支付公司的自身的管理狀況、技術(shù)水平等也是參差不齊,近年來涉及第三方支付行業(yè)的風險事件層出不窮。在這樣的背景下,對第三方支付行業(yè)的風險,特別是最突出的沉淀資金的風險問題的研究具有相當重要的現(xiàn)實意義。筆者基于AHP-模糊綜合評價方法,對第三方支付沉淀資金的風險要素進行了層次分解,建立起模糊綜合評價模型。通過調(diào)研手段獲取專家對我國第三方支付行業(yè)沉淀資金各風險因素權(quán)重的建議和風險等級的評價,并利用建立的模糊綜合評價模型進行計算,得到了我國第三方支付行業(yè)沉淀資金風險的整體處于中等水平的結(jié)論。在此結(jié)論的基礎上,筆者進一步結(jié)合實際情況討論了現(xiàn)階段我國在第三方支付沉淀資金風險管理方面優(yōu)勢及主要不足,并對我國第三方在線支付沉淀資金的監(jiān)管及自身建設方面給出了建議。
[Abstract]:With the rapid development of Internet technology and electronic commerce, the electronic payment market in China has made great progress. The average annual growth rate of online payment on the Internet has exceeded 50%, and the amount of online payment transactions reached 5.37298 trillion in 2013. Third-party payment business plays an increasingly important role in the national economy. Due to the development of the third-party payment industry, the third-party payment platform precipitated a staggering amount of funds. In recent years, due to the implementation of quick payment and other convenient technical means, various payment companies have introduced various business innovations based on payment virtual accounts, such as balance management, "red envelopes", "wallets", etc. A variety of means further large-scale increase in the stock of precipitation funds. At the same time, the related regulatory system can not keep pace with the rapid growth of third-party payment in China. It was not until 2010 that the people's Bank of China promulgated the "measures for the Management of payment Services of Non-Financial institutions", and the standardized management of third-party payments was not initially realized. With the promulgation of the "procedures for the Management of customer Reserve funds of payment institutions" in 2013, The relevant laws are only slightly improved. But in general, the legislation on third party payment management is still incomplete, and the phenomenon of long management still exists. In addition, the third party payment company's own management condition, the technical level and so on are also uneven, in recent years involves the third party payment profession the risk event to emerge endlessly. In this context, the research on the risk of third-party payment industry, especially the most prominent risk of precipitation funds, has a very important practical significance. Based on the AHP- fuzzy comprehensive evaluation method, the risk factors of the third party paying precipitated funds are decomposed into layers, and the fuzzy comprehensive evaluation model is established. By means of investigation and research, the experts' suggestions on the weight of each risk factor and the evaluation of the risk grade of the third party payment industry are obtained, and the fuzzy comprehensive evaluation model is used to calculate it. The conclusion that the third-party payment industry in our country precipitates the fund risk is in the middle level as a whole. On the basis of this conclusion, the author further discusses the advantages and disadvantages of the risk management of third-party payment precipitation fund in China at the present stage according to the actual situation. Suggestions on the supervision and construction of third-party online payment deposit funds are also given.
【學位授予單位】：福州大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F724.6;F832.2

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本文編號：1899599