信息管理对第三方支付平台安全性的影响
毕业论文关键词： 第三方支付；安全；信息管理
The Influence of Information Management to Third-party Payment Security
Abstract：With the rise of e-commerce, trade increasingly networked, while inevitably also will pay the network, on-line payment payment also emerged. And of course, the traditional mode of online payment, e-commerce activity is clearly not meet the quick, convenient payment needs. Thus, the payment of third-party payment convenient e-commerce development is the inevitable choice. But security issues has clearly become the biggest problem to be faced third-party payment. In this paper, fuzzy comprehensive evaluation method, a detailed review of the credit security issues faced by third-party payment platform, as well as precipitation funding problems, the analysis of information management for the security impact. And came to the conclusion that should be taken in coping strategies, regulatory information only strengthen internal and external environment, and to broaden the channels for the safe operation of precipitation funds, in order to effectively deal with the final payment of third-party credit security issues facing the platform and precipitation funds question, let these problems threaten the financial security of the user.
KeyWords： Third-party payment; safety; Information Management
目录
一、绪论 1
（一）课题研究的目的和意义 3
（二）研究背景与国内外研究现状 1
二、第三方支付安全风险分析 4
（一）第三方支付安全风险存在的原因 4
1. 市场竞争激烈 4
2. 利润空间狭窄 5
3. 监管缺失 6
4. 信用问题 6
（二）第三方支付安全风险的表现 7
1. 平台内部的信息安全 7
2. 信用风险 7
3. 沉淀资金风险 8
三、第三方支付平台信用安全的评价 9
（一）分析模型的选用与介绍 9
1. 多级模糊综合评价的基本理论 9
2. 模糊综合评判模型评价步骤 10
（二）以支付宝为例进行信用风险评价 11
1. 确定主因素和每个主因素的二级指标 11
2. 建立评价集合 11
3. 风险评价要素权重的确定 11
4. 多层模糊评价 12
四、通过信息管理对第三方支付安全风险进行控制 16
（一）第三方支付过程中内部风险的管理 16
1. 第三方支付平台的安全风险防范 16
2. 用户的安全风险防范 17
（二）第三方支付过程中外部风险的管理 18
1. 建立第三方支付平台评级体系 18