摘 要

随着互联网的发展,互联网金融也开始向着好的方向前进，不断更新模式发展起来，第三方支付这种方式也开始对于人们的生活产生了一定的影响。如今，该行业实现了快速的发展，越来越多的人开始关注相关的内容。作为一个中间平台，它为公众提供了便利同时有效发展了互联网经济。在这段发展的时间中，出现了一定的风险，同时也有一些好的影响。本文在研究过程中，对于有关的理论进行查找，找到大量的资料进行论证，同时对于发展过程中存在的问题进行了分析，并且对于问题进行相应的分析，给出意见。相信这些建议的提出，能够使该行业更好的发展起来。

关键词：第三方支付平台；风险；防范措施

Abstract

With the development of the Internet,Internet finance has also begun to move in a good direction, and constantly updated models have developed. This method of third-party payment has also begun to have a certain impact on people's lives.Today, the industry has achieved rapid development,and more and more people are beginning to pay attention to relevant content. As an intermediate platform,it provides convenience to the public while effectively developing the Internet economy. During this period of development,certain risks have appeared, and there are also some good effects. In the process of research, this article searches for relevant theories,finds a large amount of data for demonstration,and analyzes the problems existing in the development process, and analyzes the problems accordingly and gives opinions. I believe that these suggestions will enable the industry to develop better.

Key Words：Third party payment platforms; risks; Precautionary measures

目 录

摘 要 I

Abstract II

引 言 1

一、 第三方支付平台 1

（一）概念 1

（二）我国第三方支付发展现状 2

二、 现阶段我国第三方支付面临的风险 3

（一）恶性竞争风险 3

（二）信息安全风险 3

（三）资金安全风险 4

（四）法律与制度不完整风险 4

三、 第三方支付风险的防范措施 4

（一）监管措施的加强 4

1.内部监管--自律体系的完善 5

2.外部监管--行业监管 5

（二）提高平台技术水平 5

（三）提高用户风险意识 6

（四）促进法律体系完善 6

结束语 8

参考文献 9

致 谢 10