| From administrative supervision to market opening,China’s financial sector is moving towards a rapid development after countless changes.Power to promote the development of this era,not only from the power of science and technology progress,more come from and the impact of the Internet on traditional financial thinking and reflection,at the same time,this also is the new needs of the development of the real economy.Therefore,under the premise of the combination of Internet and finance,third-party payment of this emerging financial payment model comes into being.Through data collection and collation statistics,China’s commercial Banks and payment institutions handled 6977 million Internet payment services in 2015,with a total amount of RMB 2042.39 trillion.Among them,commercial Banks handled 36371 million online payment transactions,up 27.29 percent from the previous year.The total amount of online payment business was 2018.20 trillion yuan,up 46.67 percent from the previous year.Third-party payment agencies handled 33399 million transactions on the Internet,with a total of 24.19 trillion yuan,up 55.13 percent and 41.88 percent,respectively.This paper applies the methods of literature research,analysis and induction,qualitative quantitative synthesis,theory and practice,etc.This paper mainly studies the risk of the risk and the risk of network payment type of the bank of China’s third-party payment institution.Among them,the risk of bank attributes mainly includes credit risk and operational risk,and credit risk can be subdivided into buyer’s credit risk,seller’s credit risk and credit default risk of third-party payment institution.The operational risk can be subdivided into the risk of money laundering and the risk of hedging.The risk of network payment includes legal risk and other risks.Paper through the analysis of various risk case,a third-party payment mechanism in our country is the main cause of the risk,the first level is macro regulation exists blind area,the second aspect is the micro enterprise internal control is a blank,the third aspect is self-discipline supervision is weak.Third-party payment institutions in China of the three main problems,this paper puts forward that the targeted risk control strategy,one is to perfect the relevant laws and regulations,the second is to implement the anti-money laundering work,three blocks is to strengthen the control,four is to control the market risk,five is to improve the credit risk control,six is to strengthen the operational risk control,seven is to promote the industry self-discipline,etc.With the develop of Alipay and Tenpay,more and more third-party payment institutions strength unceasing development,People’s Daily life has gradually been alipay,WeChat easier payment habits change,people’s consumption habits and thinking habits are also huge changes.Paper starting from the identification of risk,basis risk of qualitative analysis and typical case analysis of known,build a more comprehensive and relatively system of third-party payment institutional risk supervision system,hope for the stable and healthy operation of third-party payment institutions in China provide certain theoretical basis. |
