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1、AbstractWiththepopularityoftheInternet,thee-commerceisincreasinglyclosetopeople'slives,andbecauseoftheemergenceofthethird-partypaymentpeople'slifestylesandconsumptionconcepthavechanged.Since2002,thethird-partypaymentofChinahasgonethroughmorethantenyears,whichisnoton
2、lyshowingamomentumofrapiddevelopment,thegrowingnumberoforganizations,andtheexpandingofthebusiness,butalsoexposingtheriskwhichcreatesacertainimpactonthehealthyoperationofthemarket.Currently,themarketconcentrationofthethird-partypaymentishigh.Asthethirdpartypaymentgia
3、ntsforexampleAlipay,haveoccupiedhalfoftheentiremarket,itsbusinessscopeisexpandingfromtheinitialpaymentandsettlementapplytotheonewhichinvolvemedicaltreatment,payment,inquiriesandotheraspectsofdailylife.Nowthethird-partypaymentisincreasinglychangingpeople'slifestylesa
4、ndconsumptionconcept.Atthisstage,theentirethird-partypaymentmarketisgraduallymovingtowardsamaturestage,followedbyapartialbreakdownoftheplateisalreadysaturated.Underthenewsituation,themajorthird-partypaymentinstitutionsareintegratingresources,ongoingfinancialinnovati
5、on,inordertofindthenewgrowthpointintheever-changingmarket.InthebackgroundoftheInternetFinancial,howtoeffectivelycontroltheriskofthethird-partypayment,aswellasprovidingavarietyofconvenientserviceswithinthescopeofthestandardoperationbecomeaseriousprobleminthenewperiod
6、forthepublic.Firstly,thispaperintroducestheconcept,characteristicsandfunctionofthethird-partypayment,onthebasisofanalyzethethird-partypaymentattheInternetFinancialbackground,wecaninductivethenewdevelopment.Secondly,afteranalyzingtheriskofthethird-partypayment,thispa
7、persummarizedthespecificrisksofthethird-partypaymentintofivepoints,respectively,compliancerisk,precipitationfinancialrisk,networksystemrisk,phishingriskanddisputesrisk,andfindoutthecausesoftheserisks.Then,inthefourthpart,combinedwithforeigncountriesthispaperwillanal
8、yzethedomesticoperationofthethird-partypayment.Andonthebasisofthird-partypaymentrisk,wewillmakesomeappropriatepolicyrecommendationsofpreve
