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摘要近年来，伴随着互联网金融的蓬勃发展，第三方支付在国内支付结算体系愈发显现出举足轻重的地位，深刻地影响我国经济的运行。我国第三方支付平台在经历初始阶段的“寒冬”后，经过十多年来的艰难的成长，现在其作用已经深入人心，成为人们日常生活不可或缺的一部分。但同时也逐渐暴露了不少问题，严重扰乱了市场秩序，因此亟待我们解决。46239
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本文主要回顾了第三方支付从萌芽到壮大的历史过程，并分析其各个阶段的发展特点以及与商业银行的关系，同时重点讨论了在法律上的盲区—关于其沉淀资金的性质、孽息所有权归属问题。以第三方支付行业中的领头羊支付宝为例，分析其当前面临的症结以及对策，最后，对整个第三方支付行业提出合理的建议，以推动第三方支付持续发展以及规范互联网金融环境。
毕业论文关键词：第三方支付；互联网金融；沉淀资金；支付宝；监管
ABSTRACT In recent years, with the rapid development of Internet banking, the third party payment in the domestic payment and settlement system has become more and more important , which has a profound impact on the operation of China's economy. The third party payment platform in China experience during the initial stage of the "winter", after 10 years of hard development, now its role has been deeply rooted in the hearts of the people，which becomes the people daily life essential parts.But simultaneously also gradually has exposed many problems, seriously disrupting the market order. Therefore, it is urgent to solve .
In this paper, we review the third-party payment from germination to the growth of the historical process, and analyze the characteristics of the various stages of development and its relationship with the commercial banks, and emphasizes on the legal blind spots on the precipitation funds properties, yield ownership problem. To third-party payment industry leader, for example, analysis of facing the crux of the problem and the countermeasures. Finally, put forward the reasonable suggestions to the third-party payment industry, to promote the third party payments continued development and regulate the Internet banking environment.
Key words: The third party payment；Internet banking；Precipitation funds；Alipay； Supervision
目 录
摘 要 I
ABSTRACT II
第一章 绪论 1
1.1研究背景 1
1.2研究目的和意义 1
1.3研究方法 1
第二章 第三方支付的一般问题 2
2.1第三方支付的内涵 3
2.2第三方支付的关联产品定义 3
2.3支付方式 3
2.4第三方支付和互联网金融的关联 3
第三章 关于第三方支付的起步 4
3.1第三方支付的伊始时段 4
3.2第三方支付的逐步壮大 6
3.3第三方支付的急剧膨胀 8
第四章 关于第三方支付的沉淀资金所有权争论 11
4.1沉淀资金的概念 11
4.2沉淀资金的来源 11
4.3关于沉淀资金产生孽息所有权问题 12
4.4关于沉淀资金的监管问题及对策 12
第五章 以支付宝为例分析第三方支付存在的问题 12
5.1支付宝概况 14
5.2支付宝存在的问题 14
第六章 对第三方支付的发展提出行之有效的建议 16
6.1提高第三方支付准入门槛，加强行业环境的改善 16