The Research Of Third-Party Payment Risks And Supervision

With the rapid development of Internet technology,network technology has more and more influence on the economy.this new industry arises at the historic moment.Residents' consumption pattern,great changes have taken place depends on the third-party payment institutions to provide convenient and efficient online payment way,the traditional entity shop consumption gradually transition to the network.Third-party payment is an important part of the Internet financial,it is an emerging industry,.the use of the continuous development of the Internet and mobile communication technology,with the aid of computer and intelligent mobile phone and other communication media,the connection between financial institutions,businesses and consumers,and implement financial dealings between activities.Specific view,one aspect is with each big commercial Banks and financial institutions,such as different types of businesses,and connect the bank payments and settlement system interface.On the other hand is to set up online accounts such as payment tool,through the way of open virtual account for customer,to provide customers with funds transfer,payment clearing and other different types of services.Now the competition between enterprises of the third party payment,in order to seize market in a short time,increase the number of users,some third-party payment institutions,ignore the importance of real-name authentication registered account allows users also can register account in under the condition of anonymity,which makes the risk increases the possibility of online transactions.In addition,the main body qualification of risk,the risk of default,precipitation funds risk is also worth attention,under the background of network transactions,regulatory legal regulation of third-party payment risk is difficulty is increased significantly.The main body of the article research is a third-party payment industry,the author will as a concise overview of the third-party payment industry analysis,mainly involving the concept,function,characteristics,etc,as well as to the current third-party payment industry present situation analysis.The third-party payment industry development,expanding the size of the market,and in the midst of third-party payment industry,and wealth dominate.Then the author will pay to a third party risks specific detailed analysis,mainly including policy risk,financial risk,the risk of default,etc.And on the basis of the analysis of these risks,combined with the reality of risk events to supplement,further explain the existence of these risks and dangers.Finally,based on the current legal regulation of third-party payment industry present situation and problems of regulation and put forward feasible Suggestions.