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2016年7月1日起《非银行支付机构网络支付业务管理办法》正式开始实施,根据实名程度的不同设置了交易账户的级别与权限。对于这一政策的实施,本文基于实地调研数据,以支付宝为例,运用政策冲击理论与EBK模型,将消费者权益划分后。再构建logistic回归模型,得到政策的实施在提高对财产安全保障的同时,也增大对个人隐私与便捷服务受侵害的可能性。最后从隐私保护、风险控制、提高服务三个方面探析政策的合理性,为第三方支付市场管理政策的后续发展提出建议,以期能更符合我国目前消费者消费习惯,维护消费者的权益。
From July 1, 2016, the Measures for the Administration of Network Payment Services for Non-bank Payment Institutions officially began to be implemented. The trading account levels and authorities were set according to the different degrees of real names. For the implementation of this policy, this article based on field research data, taking Alipay as an example, using the policy impact theory and the EBK model, after the division of consumer rights and interests. Rebuilding the logistic regression model, the implementation of the policy to improve the safety and security of property at the same time, but also increase the personal privacy and convenience services to the possibility of being infringed. Finally, from three aspects of privacy protection, risk control and service improvement, the author analyzes the rationality of the policy and puts forward suggestions for the follow-up development of the third party payment market management policy in order to better meet the current consumption habits of consumers and safeguard the rights and interests of consumers.