PAGEIII摘要第三方支付平台的诞生和发展，凭借其天然的快捷和便利，不仅为人们提供了很多便利，也改善了人们的生活水平。但作为初生的产业，由于特殊交易的转向动态以及特殊交易效应，导致产生竞争、沉淀资金、洗钱、网上支付系统安全风险、支付平台的诚信及道德等风险。本文主要以分析第三方支付的沉淀资金、竞争、洗钱、网上支付系统安全风险、支付平台的诚信及道德风险为角度，提出了规范竞争、加强沉淀资金管理、完善法律法规、加强第三方支付产业诚信建设、强化自律监管与完善支付安全建设的对策和建议。关键词：第三方支付风险对策ABSTRACTThebirthanddevelopmentofthird-partypaymentplatformnotonlyprovidesalotofconvenienceforpeople,butalsoimprovespeople'slivingstandardbyvirtueofitsnaturalconvenienceandconvenience.However,asanascentindustry,duetotheturningdynamicsofspecialtransactionsandspecialtransactioneffects,thereareriskssuchascompetition,precipitationfunds,moneylaundering,securityrisksofonlinepaymentsystem,integrityandethicsofpaymentplatforms,etc.Thisarticlemainlyanalysisthethirdpartypaymentofprecipitationfunds,competition,moneylaundering,onlinepaymentsystemsecurityrisks,paymentplatform,integrityandmoralriskastheAngle,putforwardthestandardcompetition,precipitationstrengtheningfundmanagement,perfectingthelawsandregulations,tostrengthentheconstructionofthird-partypaymentindustryintegrity,strengtheningself-disciplinesupervisionandperfectthecountermeasureandthesuggestionofpaymentsecurityconstruction.Keywords:Thirdpartypaymentriskcountermeasures目录TOC\o"1-3"\h\uHYPERLINK\l"_Toc281292316"一、引言PAGEREF_Toc281292316\h1HYPERLINK\l"_Toc281292318"（一）选题背景及意义PAGEREF_Toc281292318\h1HYPERLINK\l"_Toc281292319"（二）文献综述PAGEREF_Toc281292319\h2HYPERLINK\l"_Toc281292317"二、第三方支付发展及现状2HYPERLINK\l"_Toc281292318"（一）第三方支付的发展状况2HYPERLINK\l"_Toc281292319"（二）第三方支付的类型3HYPERLINK\l"_Toc281292319"（三）第三方支付的监管4HYPERLINK\l"_Toc281292320"三、第三方支付风险分析及原因PAGEREF_Toc281292320\h6HYPERLINK\l"_Toc281292321"（一）竞争风险PAGEREF_Toc281292321\h7HYPERLINK\l"_Toc281292322"（二）沉淀资金风险PAGEREF_Toc281292322\h7HYPERLINK\l"_Toc281292323"（三）洗钱风险PAGEREF_Toc281292323\h8HYPERLINK\l"_Toc281292324"（四）支付平台诚信及道德风险PAGEREF_Toc281292324\h9HYPERLINK\l"_Toc281292324"（五）网上支付系统安全风险10HYP