第三方支付服務風險控管原則

The Principles of Risk Management in Third-Party Payment

蔡孟軒(Meng-Hsuan Tsai)

指導教授 ： 游張松

國立臺灣大學/管理學院/商學研究所/碩士(2014年)

https://doi.org/10.6342/NTU.2014.00188

摘要

第三方支付服務興起後改變了電子商務的支付模式，其影響的不只是買賣雙方的權益保證，更全面擴及了經濟、金融層面。台灣自2012年相關部會協調鬆綁第三方支付服務的限制起，過去相關法規的適用性受到許多質疑。在尚未有專法成立前，第三方支付服務一直被歸類在民法與銀行法的規範底下，但就第三方支付服務的營運本質而言，其與民法、銀行法所定義、規範的金融行為並不完全相符，也導致第三方支付業者沒有專法可循，無所為本。
本研究希望透過價值創新循環來了解第三方支付服務的商業模式，分析其價值主張與營運架構，檢視其營運流程中所會產生涉及的風險種類與層面，，並且透過了解美國與中國目前第三方支付服務的產業現況，找出適用於台灣第三方支付服務的理想營運模式風險控管原則。
本研究的結論提出針對第三方支付產業的風險控管原則，期許未來第三方支付業者、主管機關、產業市場都能夠一同協助此金融創新的支付平台成為更安全、更便利，使用風險更低的第三方支付模式。也希望透過這樣的研究，提供未來商業模式發展或改良的參考，審慎的分析流程、使用者、產業，以及整個相關網絡產業，以促進第三方支付的發展，並且提昇整體社會對於第三方支付服務的支持與信任，共同打造更值得信賴的便利支付環境。

關鍵字

第三方支付 ； 價值創造循環 ； 風險控管 ； 電子商務

並列摘要

Along with the rise of third-party payment service has changed the payment pattern of e-commerce. It impacted not just the interests of buyers and sellers but also a more comprehensive and extensive levels of economic and financial. In 2012, Taiwan started to coordinate the relevant ministries to deregulate the third-party payment services. the nature of the operation in terms of third-party payment services has been discussed.
This thesis uses the Value Creation Cycle to analyze the business models of third-party payment service. Try to evaluate what kind of risks will be involved during its business processes, and understand the current status of the third payment services industry in the United States and China. Find out the applicable third-party payment services and ideal risk management principles in Taiwan.
The conclusions of this study presented the principles of risk management in the third party payment industry. Expect the third-party payment industry, authorities, users and markets to coordinate with each other to develop an innovative financial platform with more safety and lower risk. This research provides a reference for future development or improved business model. Prudently analyze the process, users, industry, and the entire related network of Third-Party Payment, in order to promote the development and improve the overall social benefits. Increase the support and trust of Third-Party Payment and build a convenient payment environment with more trust and safety.

並列關鍵字

Third-Party Payment ； Value Creation Cycle ； Risk Management ； E-commerce

參考文獻

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