Research On The Cooperation Between Commercial Banks And Third Party Payment Institutions In The Security Of Customer Funds

Since the sixties of the 20 th century, the rapid development of computer technology and information technology, traditional rapid economic new economic transformation, emerging economies are contained in the electronic commerce become an important part of modern economic system. With the development of electronic commerce, the traditional mode of payment have not been able to meet the demand of consumers to pay, and the emergence of third-party payment agencies, greatly solves the e-commerce in the development process of the cash flow problem, a convenient and efficient way for consumers to provide a good payment environment. In addition, in the process of continuous development of the third party payment, with more innovative payment products and services continue to emerge, the third party payment has been applied to a large number of areas. In the third party payment is the growing popularity of, customer funds problem also exists certain risk, safety of customer funds problem how to guarantee becomes particularly important, which requires commercial banks and the third party payment agencies to jointly protect the customer’s financial security.This paper discusses from the third party payment service way and the existence of the risk, impact of third-party payment mechanism of commercial banks, commercial banks and third-party payment agencies of research on three aspects of the existing research results carried out and then the client’s capital, there are many problems, such as disclosure of sensitive customer information may be used to attack the bank customer accounts, client funds easily through the third party payment platform stolen, safety certification of insufficient strength is difficult to control risk barrier and so on. In order to solve the security problems of customer funds, commercial banks should cooperate with the third-party payment agencies, from strengthening the banks and third-party payment agencies business operation management, enhance the banks and third-party payment agencies supervision, commercial banks and third-party payment machine structure integration and development, to build the secure channel and refinement of commercial banks and third-party payment agencies in excess payments management, start, so as to ensure the safety of client funds.