信息不对称与第三方支付

作为提供结算信用担保的中介服务方式的第三方支付，是解决电子商务支付安全和交易信用保证的理想选择。但是，第三方支付面临的信息不对称问题，强化了第三方支付的逆向选择和道德风险，阻碍了电子交易的快速发展。为解决信息不对称条件下的第三方支付问题，应建立健全交易认证制度，建立覆盖全国的电子商务信息披露系统，加强各市场参与主体的信用管理，完善电子商务法规体系，积极发挥政府部门的监督管理作用。

Information Asymmetry and Paid by the Third Party

As a way to intermediary service for settlement of credit guarantee, ＂paid by the third -party＂ （PTP） is an ideal choice for the solution to e - commerce payment security and transaction credit surety. However, the infor- mation asymmetry faced by PTP strengthens the adverse selection and moral hazard of PTP, impedes the rapid devel- opment of electronic transactions. Therefore, it＇ s necessary to establish a sound transaction authentication system, to build up a national e - commerce information disclosure system, strengthening credit management of participants in the market, improving e - commerce legal system, exerting the regulatory role of the government departments into play.