基于SCP理论的第三方支付市场格局分析
原文作者：Xi Zhao,Yingjun Sun
摘要：近年来，随着电子商务的不断发展，第三方网上支付的模式获得了越来越多的用户欢迎。其便利性，高可靠性和安全性特点，使它成为网上支付的主流模式。随着它的快速发展，第三方网上支付已经在各界人士中引起了越来越多的关注。其关注的焦点就是关于使用该平台的风险。在本文中，作者介绍了第三方网上支付的发展现状。在此基础上，本文采用情景分析的模式侧重于风险分析和其监督工作，并列出技术研究的过程。为了预防和控制第三方网上支付的风险，我们要深入学习第三方网上支付市场，并充分考虑各方面因素。只有各方面的相关工作协调完善，第三方网上支付才能健康、稳定的发展。
关键词：第三方网上支付； 监督分析； 风险控制；
第三方网上支付已成为网上支付的新形式。在它的发展初期，网上支付更多的体现在贸易商和银行的参与。因为银行为个人提供高价的网上支付服务、不完善的社会信用体系、低信用度、高风险的直接支付，这些因素使双方的利益无法得到有效保障，这些在无形中限制了网上支付的发展。为了解决网上支付的这些问题，第三方网上支付的形式出现了。
第三方网上支付在原来的三方过程中加入了第四方，也就是第三方平台。因此，参与支付过程的主体就变成了四方。分别是买方，卖方，银行和第三方支付平台。第三方网上支付平台所扮演中介的角色，以降低银行服务成本，并消除交易双方的不信任。其付款的方式与其他的方法相比，具有以下特点：第一能提供安全可靠的服务，第三方网上支付与网上银行系统通过一系列的安全证书和数字签名后相连接，从而实现网上银行系统之间数据的加密传输，保证了客户账户交易的安全性。第二节省支付的费用，第三方在线支付公司通过与多家银行的合作提供统一的应用程序接口。它允许用户进行交易，不同的银行可以在一个支付平台完成交易，而不在需要不同的银行专用通道。这种有效地付款方式节约了成本也带来了更多的社会价值。第三整合了信息资源，参与交易的当事人将被整合，这为电子商务活动中的资金流，信息流和物流的提供了统一的解决方案。第四适合中小微企业，在早期阶段，中小微企业往往是使用网上银行或汇款从事互联网事业。但是，网上银行和汇款局限于资金和技术的问题，这也不是所有银行都能接受的付款方式，而第三方网上支付就是一种便捷的方式。
由于第三方网上支付拥有的优势，其在中国的发展正方兴未艾。在中国，支付宝，财付通等是领先的互联网支付公司。因为其与大型电子商务网站的紧密联系，使它们成长得更快，更强。而以银联，快钱为首的金融型支付企业，侧重于行业需求和开拓行业应用，也取得了良好的发展效果。
支付方式一直是电子商务领域发展的重点之一，第三方网上支付方式的出现，很好的解决了电子商务成本高和信用机制缺乏的问题。第三方网上支付对中小微企业而言已经成为发展电子商务中不可缺少的一部分，它是一个便捷、高效的支付方式。在一定程度上，第三方网上支付市场对经济和社会发展产生了积极的作用。虽然第三方网上支付有很多优点，但我国的第三方网上支付仍不成熟，支付过程中也存在很多的风险。在本文中，运用情景分析和举例法，对第三方网上支付市场进行了详细的风险分析。这些风险主要是法律风险、金融风险、市场风险、信用风险和操作风险，其中法律风险和金融风险较为严重。对第三方网上支付的风险控制和监督，与市场参与各方的行为都息息相关。监管机构应在鼓励市场发展的同时实行必要的限制；第三方支付企业无论自身规模的大小都要提高组织的信用度；银行和客户也应在法律法规的指导下，规范的参与相关活动。市场各方的相互合作才是第三方网上支付市场健康运行的有力保障。
文献出处：The Eleventh Wuhan International Conference on E-Business——
E-Business and Developments Track
附原文
A Study of Third-party Online Payment: Risk Control and Supervision Analysis
Xi Zhao1, Yingjun Sun2*
1Business School, University of Shanghai for Science and Technology, China
2Business School, University of Shanghai for Science and Technology, China
Abstract: In recent years, with the continuous development of E-commerce, the third-party online payment pattern is gaining increasingly popularity among users. Characterized by its convenience, high-credibility and safety, it has become the mainstream pattern of online payment. With its rapid development, the third-party online payment has drawn more and more attention among people from all circles. And the focus of the attention is on the risks of using this platform. In this paper, the author introduces the present development status of the third-party online payment. On the basis of that, the paper focuses on the risk analysis and supervision in the process of operation by employing scenario analysis and list technique. In order to prevent and control risks in the third-party online payment, we should study the third-party online payment market thoroughly and take all aspects into consideration. It will shape a healthy and stable development trend only when all parties related work cooperatively.
Keywords: third-party online payment, supervision analysis, risk control
The third-party online payment has become the new form of online payment. In its early development, online payment is more reflected in the involvement of the traders and the bank. Since the existence of banks to provide online payment services for individual with high cost, imperfect social credit system, distrust, high risk of direct payments, the interests of both parties cannot be effectively guaranteed, which virtually limited the development of online payment. In order to solve these problems of online payment, the third-party online payment form came forward.
Third-party online payment is developed from the original tripartite process by adding the fourth party, third-party platform. So there are four parties involved in the payment process. They are the buyer, the seller, the bank and the third-party platform. The third-party online payment platform plays the role as an intermediary to reduce the cost of banking services and eliminate the distrust of trading parties. Compared with the other methods of payment, it has the following characteristics. First, providing safe and reliable service, with its connection with the internet banking system, the third-party online payment realizes the encryption transmission of data among internet banking systems through a series of security certificates and digital signature and ensures the security of customer account transactions. Second, saving the cost of payment, the third-party online payment company provides a unified application interface by cooperating with lots of banks. It allows users to make transactions with different banks on one payment platform rather than on the banksrsquo; specific channels. This efficient mode of payment saves cost and brings more social value. Thirdly, integrating information resources, the parties involved in the transaction will be integrated, which provides a unified solution for E-commerce activities in capital flow, information flow and logistics. Fourth, suiting small and medium micro enterprises, in early phases, small and medium micro enterprises use online banking or remittance when doing online business. But online banking and The Eleventh Wuhan International Conference on remittance are restricted to financial and technical issue; it is difficult to accept payment from each bank, while the third-party online payment is an expedient way.
Due to the numerous advantages of third-party online payment, its development in China is in the ascendant. Alipay, Tenpay and Shengpay are leading internet payment companies in China. Their close connection with large E-commerce websites makes them grow faster and stronger. To CUP, Quick Money, CHINAPNR, led by the financial-based Payment Company, focusing on industry needs and to develop industria
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A Study of Third-party Online Payment: Risk Control and Supervision Analysis
Xi Zhao1, Yingjun Sun2*
1Business School, University of Shanghai for Science and Technology, China
2Business School, University of Shanghai for Science and Technology, China
Abstract: In recent years, with the continuous development of E-commerce, the third-party online payment pattern is gaining increasingly popularity among users. Characterized by its convenience, high-credibility and safety, it has become the mainstream pattern of online payment. With its rapid development, the third-party online payment has drawn more and more attention among people from all circles. And the focus of the attention is on the risks of using this platform. In this paper, the author introduces the present development status of the third-party online payment. On the basis of that, the paper focuses on the risk analysis and supervision in the process of operation by employing scenario analysis and list technique. In order to prevent and control risks in the third-party online payment, we should study the third-party online payment market thoroughly and take all aspects into consideration. It will shape a healthy and stable development trend only when all parties related work cooperatively.
Keywords: third-party online payment, supervision analysis, risk control
The third-party online payment has become the new form of online payment. In its early development, online payment is more reflected in the involvement of the traders and the bank. Since the existence of banks to provide online payment services for individual with high cost, imperfect social credit system, distrust, high risk of direct payments, the interests of both parties cannot be effectively guaranteed, which virtually limited the development of online payment. In order to solve these problems of online payment, the third-party online payment form came forward.
Third-party online payment is developed from the original tripartite process by adding the fourth party, third-party platform. So there are four parties involved in the payment process. They are the buyer, the seller, the bank and the third-party platform. The third-party online payment platform plays the role as an intermediary to reduce the cost of banking services and eliminate the distrust of trading parties. Compared with the other methods of payment, it has the following characteristics. First, providing safe and reliable service, with its connection with the internet banking system, the third-party online payment realizes the encryption transmission of data among internet banking systems through a series of security certificates and digital signature and ensures the security of customer account transactions. Second, saving the cost of payment, the third-party online payment company provides a unified application interface by cooperating with lots of banks. It allows users to make transactions with different banks on one payment platform rather than on the banksrsquo; specific channels. This efficient mode of payment saves cost and brings more social value. Thirdly, integrating information resources, the parties involved in the transaction will be integrated, which provides a unified solution for E-commerce activities in capital flow, information flow and logistics. Fourth, suiting small and medium micro enterprises, in early phases, small and medium micro enterprises use online banking or remittance when doing online business. But online banking and The Eleventh Wuhan International Conference on remittance are restricted to financial and technical issue; it is difficult to accept payment from each bank, while the third-party online payment is an expedient way.
Due to the numerous advantages of third-party online payment, its development in China is in the ascendant. Alipay, Tenpay and Shengpay are leading internet payment companies in China. Their close connection with large E-commerce websites makes them grow faster and stronger. To CUP, Quick Money, CHINAPNR, led by the financial-based Payment Company, focusing on industry needs and to develop industrial applications has achieved very good results.
Payment has been a part of our focus area of e-commerce, the emergence of third-party online payment provides a good solution to the high cost and lack of credit mechanism problems in e-commerce .Third-party online payment has become an indispensable part of e-commerce for small and medium micro enterprises, and it suppers a convenient and efficient mean of payment. To some extent, the third-party online payment market has played a positive role on the economic and social development.
Although the third-party online payment has many advantages, but our third-party online payment is still not mature, the process had also been seen to run more risks. In this paper, scenario analysis and enumeration method are used, and carried out a detailed risk analysis in the third-party online payment market. These risks are mainly legal risk, financial risk, market risk, credit risk and operational risk. Legal risk and financial risk are more serious.
In the risk control and supervision of third-party online payment market, all parties involved in this market, perspective to do works are related with them. Regulators must encourage market development, and exercise necessary restraint at the same time. Third-party payment companies improve their credit, no matter big or small company. Banks and customers should be in the specification under the guidance of the laws and regulations to participate related activities. The cooperation of market parties with each other is a strong guarantee for the healthy operation of the third-party online payment market.
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