Taking Alipay As An Example To Study The Risks And Countermeasures Of The Third Party Payment

As E-commerce explosive growth, the traditional payment methods already looks bloated, payment need innovation, and Internet technology has matured to make the payment of innovation comes true.So the market gradually appeared in the new third party payment companies, issuing the first payment business license from the People’s Bank of China began in 2011, there are more and more third party payment companies appear, although as at January 31,2016, there are three companies because of illegal operation license is to be canceled, but the market is still the remaining 267.The main reason many third party payment companies exist in the market because of the huge market potential third-party payment, many organizations want to get a share.According to iResearch statistics, in 2011 Chinese third party payment market deal size of about 9 trillion yuan, while the 2015 is more than 30 trillion yuan, relatively stable growth every year, this trend will last for a very long time.In this one, Alipay occupy the market share is almost half,as the representative of the company, this is the best case study.In the third-party payment of development and growth process more and more, some problems have gradually emerged, although there are "Administrative Measures for the Payment Services Provided by Non-financial Institution" and "Administrative Measures for the Online Payment Services Provided by Non-bank Institution" as a regulatory basis, but they are still kept the various risks, such as legal, technical, credit operations and so on.Since many users of the third party payment can only see the convenience, but they can not perceive the existence of the risks, then once the risk event occurs, the customers involved are enormous, the amount of loss can not also imagine, the impact is profound.Further third party payment companies by increasing the speed of development of the online payment services, not only promoted the development of E-commerce and Internet Finance, but also on support services to upgrade and promote the further development of inclusive finance played a positive role.The future trend of the third-party payment is more popular. Therefore, it is very necessary to analyze the presence risks of the third party payment,and then put forward a number of practical solutions based on specific risk measures can effectively reduce the risk of occurrence probability, reduce the risk of losses resulting from events and even risk-averse.Thereby protecting the legitimate rights and interests of users and the healthy development of the payment market. At the same time by encouraging payment service innovation in order to give full play to the basic role in the third party payment of Internet Finance.