摘要随着Internet 和电子商务的迅猛发展，人们越来越倾向于在网上进行消费，从而进一步促进了中国电子商务市场交易额的增长，其中跨境电子商务交易额更是呈现指数型增长。跨境电子商务的快速发展也促进了在线支付业务的增长特别是第三方支付企业，已经开始试水国际业务，积极抢占国际份额，但在其国际化进程中缺存在着安全、监管、法律等众多问题。因此如何在跨境电子商务大背景下解决这些问题，积极推进第三方支付的国际化发展进程显得尤为重要。

本文拟对跨境第三方支付遇到的风险进行综述，区别分析三种不同模式所面临的风险程度，运用专家打分法进行风险评估得到第一手数据，并以支付宝为案例深入阐述模式特点和风险，最后结合相关的监管措施积极推进第三方支付的国际化进程。44187

关键词：跨境电子商务； 第三方支付； 模式分析； 监管措施

Abstract

As the internet and e-commerce growing by leaps and bounds, people are tend to consume on the internet and therefore promote growth amount on Chinese e-commerce market, especially the exponential growth of cross-border e-commerce. The rapid development of cross-border e-commerce also contributed to the growth of online payment services, especially the third-party payment, who has already began to involve the international business as well as seize international share. However, there are many problems such as safety,regulatory and law in the process of  internationalization.Therefore, it is vital to solve these problems and then promoting the international development of third-party payment in the context of cross-border e-commerce.

This paper intends to overview the risk of third-party payment platform and then analyze its three patterns differently,using expert analysis method to assess the risk.It will take the Alipay for example to take the relevant regulatory measures to promote the internationalization process of third-party payment. 

Keywords: Cross-border e-commerce；Third-party payment；Pattern analysis； Regulatory measures

目录

摘要 2

Abstract 3

1.引言 7

1.1研究背景和意义 7

1.研究背景 7

2.研究意义 8

1.2研究内容 8

1.3本文创新点 9

1.4研究方法 9

1.5技术路线 9

2.文献综述 10

2.1关于跨境电子商务的研究 10

2.2关于第三方支付模式和风险的研究 11

2.3关于第三方支付监管的研究 12

2.4研究存在的问题 13

3.跨境电商和网上支付的发展现状 13

3.1跨境电商产生的原因 13

3.1.1跨境电子商务的模式分析 14

3.1.2跨境电子商务的发展问题 15

3.2网上支付的发展现状 16

3.2.1跨境第三方支付的概况 16

3.2.2跨境第三方支付的优点 17

4.基于跨境电子商务的第三方支付的风险分析 18

4.1跨境第三方支付存在的风险类别