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本文的逻辑思路和主要内容是:(1)采用文献研宄法,深入探宄国内外文献
研究的主流观点,分析这些专家学者所研宄的重点和理论着眼点,以期为本文提
供理论立足点。(2)本文在综述现有文献的基础上,对支付风控研宄所使用的理
论进行阐述,以窥探第三方支付出现的必然趋势和其主要存在的风险,同时从宏
观层面介绍现有的第三方支付公司的支付风险控制模式,以及此模式下的支付风
控体系情况。(3)我们将分析S第三方支付公司的支付风险控制的现状,包括S
支付公司所产生的背景和发展状况,支付业务的发展状况,以及其所面临的主要
风险和针对这些风险所进行的支付风险控制体系建设状况、存在的问题及原因
(4)结合文献阐述、理论补充和支付公司风控控制体系的描述,本文对S第三方
支付公司支付风控体系首先从“事前”、“事中”以及“事后”三个阶段进行构建。第一,
“事前”风险防控体系建设。包括事前风险的识别体系(如客户风险等级评价体系,
准入制度等),事前风险的分析和评估,以及“事前”风险发生后的应对措施(例如:
强化用户的安全意识,优化平台的支付流程,控制支付额度,加强系统安全建设,
确保支付环境安全等)。第二,“事中”风险防控体系建设。“事中”风险防控体系
建设的本质是反欺诈实时监控系统建设,即如何进行系统建设能够实时对风险进
行识别、评估、决策和策略返回,以达到不影响正常业务开展的前提下,去实现
III 风险的识别、预警以及实时的事务处理。第三,“事后”风险体系建设。内容包
括如何重复挖掘风险案件和赔付案件数据,通过数据分析从中提取风险特征,并
将这些特征应用于实时防控中,即事后的反馈能力建设。(5)对全文进行总结,
并展望支付风控的未来发展趋势以及将来可能的研宄方向
本文的创新之处是:(1)理论上,拓展现有风控责任归属和风险理念,认为
风控是嵌入到产品的设计、推广、运营中以及企业的管理实践中整个链条中的;
(2)方法和结果上,以某具体支付公司为研究案例,最为真实的视角展示支付风
控的理论应用于具体的实践中,最后形成一套以S公司为案例的进行支付风险防
控的体系
关键词:第三方支付;支付风险;风险控制体系;S第三方支付公司
IV Abstract
The third party payment is a new way of payment which is accompanied by the
development of China&39;s Internet economy. The onset is represented by the Alipay
E-commerce business model and the WeChat payment social network model which use
the account to pay by the terminal like PC or smart cellphone to consume products or
services. Meanwhile, with the popularity of smart phones and the development of
mobile Internet, mobile payment is becoming the mainstream payment style. Mobile
phone payment brings convenience to the users and payment service providers which
also brings the corresponding risks including stolen-card risk, stolen-user risk and
fraud risk. S company is one of the more than 200 Chinese payment companies who
have paid the license of the third party payment company. The company relies on the
parent companyfs courier and constantly expands to new third party payment scenarios.
For the third-party payment companies, it is their responsibility to provide customers
with safe and reliable payment service, which is not only related to their own interests,
but also the protection of their reputation. Therefore, the third-party payment company
would focus and pay attention to the security of their business.
Firstly, in this paper, we will use literature research method to explore the
mainstream views of the domestic and foreign literature research and to analyze the
point which the experts and scholars focus in order to provide the theoretical basis for
this article. Secondly, we will review the existing literature on the basis of the research
on the theory of payment risk control, to explore the inevitable trend of the third party
payment and its main risks. At the same time, this paper introduces the payment risk
control mode of the third party payment companies from the macro leveland the
payment risk control system. Furthermore, we will analysis the current payment risk
control situation of S company, including the background and the development of S
Payment Company produced by the development of payment services, as well as the
main risk and payment risk for these risk control system construction. Then,with the
description of the literaturethe theoretical supplement and the description of the
company’s risk control system,we will state the current situation of S companies5
payment risk control in a multi-dimensional and comprehensive way. We would
V introduce that how S company identify and control its payment risk in advance,
intermediate and afterwards stages including the advance risk prevention and control
system construction, ex ante risk identification system, such as customer risk rating
system, access system, ex ante risk analysis and assessment. In the end, something more
will be elaborated by us, such as strengthening safety awareness, optimizing the
payment process, controlling the amount, strengthening system security, to ensure the
payment of environmental safety measures. In furthermore, we will focus on
intermediate risk prevention and control system.
The innovation of this paper lie in two points: In theory, we can expand the
existing risk control responsibility attribution and risk concept that risk control is
embedded in the product design, promotion, operation and management of enterprises
in the whole chain. In methods and results, we use a specific payment company as a
case study, which could guarantee that we can have the real view showing the
application of payment risk control theory into practice.Finally we could acquire a
payment risk prevention and control system by S company as a case study.
Key word: the third-party payment; payment risk; risk control system; S
third-party payment company
VI .
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目录
m w m
Abstract V
第1章绪论1.1研究背景和意义1.1.1研宄背景.1.1.2研宄意义1.2文献综述与本文研宄的切入点
3.
1.2.1国外文献综述1.2.2国内文献综述
5 s
1.2.3现有文献的不足及本文研究的切入点
7 ’
1.3研究框架、内容及目标1.3.1研究框架和基本内容1.3.21.4研究方法、技术路线和创新之处1.4.1研宄方法1.4.2技术路线1.4.3创新之处第2章相关理论基础2.1核心概念界定2.1.1第三方支付公司及其支付模式2.1.2支付风险及其控制2.1.3支付风险控制体系2.2第三方支付公司产生的必然性及发展趋势2.2.1第三方支付公司产生的背景和必然性2.2.2第三方支付公司的未来发展趋势2.3第三方支付公司发生支付风险的可能性2.3.1基于电子支付风险理论的分析2.3.2基于信息不对称理论的分析2.4第三方支付公司支付风险控制体系的构成VII 2.4.1 “事前”风险控制
21
2.4.2 “事中”风险控制
22
2.4.3 “事后”风险控制
22
第3章S第三方支付公司的支付风险控制现状分析
23
3.1S第三方支付公司产生背景和发展概况
23
3.1.1S第三方支付公司的产生背景
23
3.1.2S第三方支付公司的发展状况
23
3.2S第三方支付公司支付业务发展现状
24
3.2.1S第三方公司支付模式
24
3.2.2S第三方公司支付业务发展现状
24
3.3S第三方支付公司面临的主要风险及风控现状
25
3.3.1S第三方支付公司面临的主要风险
25
3.3.2S第三方支付公司风控状况介绍
26
3.3.4S第三方支付公司风险控制中存在的问题
26
3.3.5S支付公司风险控制存在问题的原因分析
27
第4章S第三方支付公司支付风控体系构建规划及“事前”风控体系
麵 29
4.1S第三方支付公司的支付风控体系构建规划
29
4.1.1支付风控全流程
29
4.1.2支付风控整体规划
30
4.2事前风险识别的指标体系
31
4.2.1风险评价指标量化标准
31
4.2.2事前风险指标量化分析
32
4.3事前风险分析和风险评估
32
4.3.1事前的主要风险点
33
4.3.2事前风险的表现形式
34
4.4事前风险的应对措施
35
4.4.1强化安全意识,优化支付流程,控制额度
35
4.4.2加强系统安全建设,确保支付环境安全
36
4.4.3事前准入制度和风险评级体系
38
第5章S第三方支付公司“事中”风控体系构建
43
5.1事中风险的识别和分析
43
5.1.1事中主要风险点
43
VIII 5.1.2事中风险的指标量化分析
44
5.2事中风险的发现与评估
45
5.2.1盗卡风险的发现和评估
46
5.2.2盗户风险的发现和评估
47
5.2.3盗欺诈风险的发现和评估
47
5.3事中风险的防控
48
5.3.1实时风控指标体系
48
5.3.2实时风险监控系统建设
48
5.3.3系统风险控制
49
5.3.4用户实时风险监控
50
第6章S第三方支付公司“事后”风控体系构建
53
6.1事后风险的识别和分析
53
6.1.1事后主要风险点
53
6.1.2事后风险识别的指标体系
53 ■
6.1.3事后风险的分析和反馈体系
53
6.2事后风险的评估
54
6.2.1案件、赔付相关系统建设
54
6.2.2风险样本分析和数据建模
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