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摘要随着互联网和电子商务的不断兴起，人们在日常生活以及工作中越来越多的使用网络等购物和支付平台。2002年以来，我国的电子商务经历了从无到有的快速发展期，有只有少数人了解到广大群众人人皆知也只用了短短十年时间。在这一期间，第三方支付平台不断发展壮大，为广大群众提供了不少便利，发挥其自身优势的同时也对传统行业造成了不少的影响。在这样快速发展的过程中也遇到了各种问题以及漏洞，越来越多的民营机构也争相挤入市场，必然会对市场造成混乱性。由于政府的监管力度以及相关法律法规的不完善，包括人们安全意识的欠缺，第三方支付平台的风险我们不容忽视。在这样的大环境下，也希望第三方支付平台能在一个合法合规的方式方法中运行，继续为我们的经济，包括工作和生活带来更多的便利。67324
本文通过以下几个部分展开研究：第一部分是导论，从研究的背景和意义出发，通过查阅国内外大量文献，总结了该课题的研究现状，为本文的研究方向奠定基础。第二部分从第三方支付的概念和特征入手，界定了第三方支付平台研究的所属范畴，并且通过总结，概括了第三方支付的特征，包括中介性、便捷性和整合性同时，从发展及现状的角度对第三方支付平台做了总结。紧接着在第四章分析了其目前面临的两大风险，即合规性风险和网络安全风险，网络安全风险则又细分为系统缺陷风险、网络欺诈风险和后果处理风险。在第五章的内容中，则以支付宝作为案例，从合规性、网络安全性、网络欺诈性三大风险方面总结了支付宝对于风险把控的具体措施。最后，结合整个第三方支付的大环境提出了一些对于第三方支付平台的合理化建议，希望通过完善市场准入机制、加强网络硬件设施建设、展开安全教育、加强多方合作四方面来保障第三方支付平台的安全，尽可能的减少其风险的发生，保证其可持续发展。
毕业论文关键词：第三方支付；风险；防范；支付宝
Abstract With the continuous rise of the Internet and e-commerce, people in the daily life and work more and more use of online shopping and payment platform. Since 2002, China's e-commerce has experienced a rapid development period from scratch, there are only a few people have access to the broad masses of the people All the world knows. also took only ten years time. During this period, the third party payment platform continues to grow and develop, for the masses to provide a lot of convenience, to play its own advantages, but also on the traditional industry caused a lot of impact. In the process of rapid development has also encountered a variety of problems and loopholes, more and more private institutions are also scrambling to squeeze into the market, will inevitably cause confusion in the market. Due to the lack of government regulation and relevant laws and regulations, including the lack of people's awareness of security, the risk of third party payment platform we can not ignore. In such a big environment, but also hope that the third party payment platform can run in a legal compliance approach, continue to bring more convenience to our economy, including work and life.
This paper focuses on the following parts: the first part is the introduction, starting from the background and significance of the study, through consulting a large number of domestic and foreign literature, summarizes the research situation of the topic, to lay the foundation for the research direction of this paper. Concept and characteristic of the second part payment from the third party, the category of the definition of the third party payment platform, and through the summary, summarizes the characteristics of the third party payment, including intermediary, convenience and integrity at the same time, make a summary of the third party payment platform from the perspective of development and status quo. Followed by an analysis of two major risks currently facing in the fourth chapter, namely compliance risks and network security risk, network security risk is pided into system defect risk, the risk of fraud and dealing with the consequences of the risk of network. In the fifth chapter, as the case with Alipay, from compliance, network security and network fraud three risks summarizes Alipay for risk control measures. Finally, put forward some reasonable suggestions for the third party payment platform, combined with the third party payment environment to strengthen multilateral cooperation in four areas to protect the third party payment platform security by improving market access mechanism, strengthening network hardware construction, safety education, and as far as possible to reduce the risk, ensure the sustainable development.