摘要：第三方支付是現代金融服務業的重要組成部分，也是中國互聯網經濟高速發展的底層支撐力量和進一步發展的推動力。第三方支付平臺彌補銀行服務功能空白，提升金融交易效率，同時在健全現代金融體系、完善現代金融功能。然而，作為依靠收取手續費率盈利的第三方支付企業，由于競爭的殘酷，爭相下調手續費,更有甚者使用非常規的競爭手段以爭奪更多市場份額，不少第三方支付企業在很長時間一直在賠本賺吆喝。

　　　本文目的在于分析現階段國內第三方支付同行業間競爭所存在的風險，提出相對應風險規避所應采取的對策和措施，以便于規范第三方市場，減少無序競爭所帶來的問題，加快第三方企業的發展。

關鍵詞：第三方支付 同行業競爭 價格戰 風險分析

Abstract:Third-party payment is an important part of the modern financial services industry, but also the rapid development of China's Internet economy underlying forces that support and impetus for further development. Third-party payment platform to cover banking services gaps, improve the efficiency of financial transactions, while the sound of modern financial system, improve the modern financial functions. However, as the rate of profit to charge a fee to rely on third-party payment companies, due to the brutal competition, competing reduced fee, and some even use unconventional means of competition to compete for more market share, many third-party payment companies long been a loss leader.

　　　The purpose of this paper is to analyze the risk of third-party payment stage of the domestic competition exists among the industry, the proposed corresponding risk aversion should adopt policies and measures in order to regulate third-party market, reducing the problems caused by disorderly competition, speed development of third-party companies.

Key words:Third-party payment  Industry competition  Price war  Risk Analysis