Research On Risk Prevention And Control Of Third-party Paymen

With the development of Internet technology,the third party payment has emerged and developed rapidly.For the average consumer,the third party payment business is actually not familiar with the transaction model.In the context of the continued development of the third party payment business,whether the consumer’s financial security can be effectively protected has become the key proposition of business development.On the current situation,the speed of the development of the business and its protection mechanism is not proportional to the construction.The development of the third party payment is a revolution,it is the consumption habits,business model innovation and even the financial competition pattern has brought the severe impact.Alipay dominates in the market share of nearly half,including the Baidu wallet and Wechat pay is the representative of the enterprise,is the best object of the case analysis.In the third party payment development more and more expansion process,some problems have gradually emerged,although there are "non financial institution payment service management approach" and "non bank payment institutions online payment service management approach" as a regulatory basis,but still exist such as law,technology,credit and operation etc,all kinds of risks.The third party payment industry for many users can only see the convenience of them,all kinds of risks and are unable to perceive it aside,then if the risk event,involving customer scope is huge,causing the amount of the loss is unimaginable,and theimpact is more far-reaching.The other third party payment institutions by increasing the pace of development of network payment services,not only promote the development of e-commerce and Internet banking,also on the service industry provides support for upgrading,the future of the third party payment is to represent the general trend of popular.The thesis focuses on third-part payment risk prevention and control,the use of relevant theories of economics,finance analysis,status of mobile finance and risk control analysis of the status quo,and through the analysis of Alipay,Baidu wallet and Wechat pay and third-party payment risk prevention and control analysis of the current situation of other countries,puts forward some countermeasures and suggestions of risk prevention and control of third-party payment in china.