论第三方支付平台的发展和对我国金融体系的影响的研究

论第三方支付平台的发展和对我国金融体系的影响的研究摘要第三方支付平台作为安全、快捷、方便的网上支付，打开了制约中国电子商务发展的瓶颈。作为电子商务的重要关联产业，其重要性日益凸现。目前，支付宝是中国最大的第三方支付平台，该模式一直致力于为中国电子商务提供简单、安全、快速的在线支付方式。支付宝为解决制约我国电子商务发展的支付问题和网上交易的诚信问题提供了新思路和解决方案，带动了整个中国电子商务的高速前进，推动了互联网诚信体系的建立，为电子商务各个领域的用户创造了丰富的价值。本文介绍了支付宝的产生背景和发展现状，在分析支付宝的运营模式基础上，分析了支付宝的优势、劣势、面临的挑战以及对金融市场的影响，在此基础上针对第三方支付企业就盈利、合作、信用与创新方面提出了建议，同时也在市场、业务、机构及政策等方面提出了监管建议。关键词：第三方支付；金融市场,影响AbstractThird-partypaymentplatformasasafe,fastandconvenientonlinepayment,openedthebottleneckrestrictingthedevelopmentofChinesee-commerce.Astheimportantlinkofe-commerceindustry,itsimportanceisbecomingmoreandmoreprotruding.Atpresent,paytreasureisChina'slargestthird-partypaymentplatform,themodelhasbeencommittedtoprovideChina'se-commerceissimple,safeandfastonlinepayment.PaytreasuretosolvethepaymentproblemrestrictingthedevelopmentofChina'se-commerceandthecredibilityofonlinetransactionsandprovidesanewwayofthinkingandsolutions,animatingthewholehighspeedofChina'se-business,promotetheestablishmentoftheInternetcredibilitysystemforallareasofe-commerceuserstocreatethevalueoftherich.Thispaperintroducesthebackgroundanddevelopmentstatusquoofalipay,basedontheanalysisontheoperationmodeofthealipay,analyzesthestrengths,weaknesses,paytreasuretothechallengeandtheimpactonthefinancialmarkets,onthisbasisforthird-partypaymentcompanieswillprofit,cooperation,creditandinnovationareproposed,butalsointhemarket,business,institutionalandpolicyaspectsofregulatorySuggestionsareputforward.Keywords:Third-partypayment;Paytreasure;Thefinancialmarkets目录摘要..................................................................................................................................................1Abstract.............................................................................................................................................2一研究的背景及意义.....................................................................................................................51.1研究的背景.........................................................................................................................51.1.1第三支付平台的发展..............................................................................................51.1.2中国国际金融体系的不健全..................................................................................52.1研究的意义.........................................................................................................................62.1.1促进我国第三支付平台的发展..............................................................................62.1.2促进我国金融体系的完善和发展..........................................................................62.1.3促进我国国民经济的发展......................................................................................7二第三方支付平台及金融体系理论概述.....................................................................................82.1第三方支付平台.................................................................................................................82.1.1第三方支付平台概念..............................................................................................82.1.2第三方支付平台工作流程......................................................................................92.1.3第三方支付的特点................................................................................................102.1.4第三方支付平台的分类........................................................................................112.2我国的金融体系...............................................................................................................122.2.1我国金融体系形成的背景....................................................................................122.2.2金融结构的界定：基于金融功能的角度............................................................132.2.3金融体系结构对于经济发展的作用....................................................................14三第三方支付平台及金融体系发展的现状...............................................................................153.1第三方支付平台的现状...................................................................................................153.1.1我国第三方支付发展的规模................................................................................153.1.2第三方支付的交易规模........................................................................................173.1.3第三方支付的应用领域........................................................................................183.1.4第三方支付发展特点............................................................................................193.1.5我国第三方支付发展模式....................................................................................203.2我国第三方支付发展的经济作用与存在的问题...........................................................243.2.1第三方支付发展的经济作用................................................................................243.2.2第三方支付对社会经济的推动作用....................................................................253.2.3第三方支付重构现代金融信用体系....................................................................27四第三方支付平台对于社会经济的影响.................................................................................284.1第三方支付对社会经济的推动作用..................................