中文摘要
近年来，随着综合国力的提升，科技的力量也在不断壮大，互联网走进大众的
视野；而在金融科技的创新驱动下，传统金融与科技的大交融，互联网金融由此诞
生，成为未来的一段时间内发展态势。在互联网金融背景的推动下，移动支付具有
移动性、即时性、便捷性的特点，加之国内移动支付技术的不断创新，在大众的日
常消费场景中得到了广泛的应用。目前，我国的移动支付的用户规模、业务交易量
及金额也在逐年上升，发展前景广阔。同时，由于移动支付业务发展迅速，产生了
一系列风险安全问题，如何有效及时的处理好移动支付的安全问题，有效保障移动
支付用户的资金安全，营造良好的移动支付环境，对加强对移动支付的监管思路和
对策提出了更迫切和更高的要求。
本文以互联网金融背景下移动支付风险的监管为研究对象。首先，前期通过查
阅互联网金融背景下移动支付风险监管的相关文献资料，收集整理了移动支付风险
监管的思路与框架，梳理、汇总分析了国内外研究现状。其次，在具体介绍和深刻
阐述互联网金融、移动支付、互联网金融风险、金融监管等相关概念的基础上，详
细分析了目前移动支付的发展情况和面临的风险现状。再次，对我国移动支付监管
现状进行了深入分析，指出目前我国在对移动支付风险监管的过程中存在的如法律
法规体系滞后、法律法规体系滞后、消费者权益保护不足、支付技术的管理待提升
等诸多问题，以微信支付为例进行了案例分析，以实际案例印证由于监管漏洞所带
来的风险安全问题。通过借鉴欧盟和美国的移动支付安全监管的经验，吸收借鉴适
应我国目前移动支付业务的发展形势和发展环境的手段和方法。最后，通过构建“政
府+监管机构+移动支付平台+社会”“四位”一体的移动支付监管体系，提出加强我
国移动支付监管的对策建议。
关键词：移动支付；支付安全；风险监管；监管措施；监管体系

ABSTRACT
In recent years, with the improvement of comprehensive national
strength, the power of science and technology is also growing, and the
Internet has entered the public's vision; Driven by the innovation of
financial technology and the great integration of traditional finance and
technology, Internet finance was born and will become a development trend
in the future. Driven by the background of Internet finance, mobile payment
has the characteristics of mobility, immediacy and convenience. In addition,
the continuous innovation of domestic mobile payment technology has been
widely used in the daily consumption scenes of the public. At present, the
user scale, business transaction volume and amount of mobile payment in
China are also increasing year by year, and the development prospect is
broad. At the same time, due to the rapid development of mobile payment
business, a series of risk security problems have emerged. How to
effectively and timely deal with the security problems of mobile payment,
effectively ensure the capital security of mobile payment users, and create a
good mobile payment environment have put forward more urgent and higher
requirements for strengthening the supervision ideas and Countermeasures
of mobile payment.
This paper takes the supervision of mobile payment risk under the
background of Internet finance as the research object. Firstly, in the early
stage, by consulting the relevant literature of mobile payment risk

supervision
under the background of Internet finance, this paper collected and
sorted out the ideas and framework of mobile payment risk supervision, and
combed, summarized and analyzed the research status at home and abroad.
Secondly, based on the specific introduction and profound elaboration of
relevant concepts such as Internet finance, mobile payment, Internet
financial risk and financial supervision, this paper analyzes in detail the
current development and risk status of mobile payment. Thirdly, this paper
makes an in-depth analysis of the current situation of China's mobile
payment supervision, and points out many problems existing in the process
of China's mobile payment risk supervision, such as lagging laws and
regulations system, lagging laws and regulations system, insufficient
protection of consumers' rights and interests, and the management of
payment technology to be improved. Taking wechat payment as an example,
this paper makes a case analysis to confirm the risk security problems
caused by regulatory loopholes. By learning from the experience of mobile
payment security supervision of the European Union and the United States,
absorb the means and methods to adapt to the current development situation
and development environment of mobile payment business in China. Finally,
through the construction of "government + regulators + mobile payment
platform + society" and "four in one" mobile payment supervision system,
this paper puts forward countermeasures and suggestions to strengthen
。。。以下略