后牌照时代第三方支付的风险防范机制研究

随着电子商务的快速崛起，第三方支付应运而生、蓬勃发展，但风险也日益凸显。本文从其内涵、特征、规模及竞争格局入手，详细阐述第三方支付的沉淀资金、操作风险等风险点，并通过比较欧美国家和我国对第三方支付的监管模式，指出我国监管的不足之处。在此基础上，本文提出强化监管框架、成立第三方支付平台消费者保护基金、调整货币统计监测范围等政策建议。

Research on Risk Prevention Mechanism after the Era of Third-party Payment License

With the rapid rise of e-commerce, the third-party payment comes into being and flourishes, but risks are also increas-ingly prominent. The paper elaborates the risk of precipitation funds, operational risk and so on from its content, features, scale and competition, then points out the lack of supervision by comparing the United States, Europe, and China’s regulatory model for the third-party payment. Finally the paper puts forward some targeted suggestions like strengthening the regulatory framework, establish-ing the consumer protection fund of third-party payment platform, and adjusting statistical monetary monitoring scope, etc.