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在互联网金融蓬勃发展的今天,以支付宝、财付通、微信支付等为代表的第三方支付作为一种新兴支付手段,已经通过互联网的快速发展日渐深入人们的网络购物、网上缴费等日常生活中,并且展现出了优异于商业银行传统支付手段的快捷和便利,然而在这快捷和便利背后对商业银行的金融安全也存在着不容忽视的风险。本文试图从金融安全角度浅析第三方支付可能对商业银行金融安全产生的风险和影响以及应对的措施。
Today, with the flourishing development of Internet finance, the third-party payment represented by Alipay, TenPay, WeChat, etc. has emerged as an emerging means of payment through the rapid development of the Internet and has become increasingly popular in people’s daily life such as online shopping and online payment , And demonstrated the convenience and convenience that are superior to the traditional means of payment by commercial banks. However, there are risks that can not be ignored in the financial safety of commercial banks behind this convenience and convenience. This article tries to analyze the risk and influence of the third-party payment on the financial security of commercial banks and the countermeasures from the perspective of financial security.