摘要：第三方支付是现代金融服务业的重要组成部分，也是中国互联网经济高速发展的底层支撑力量和进一步发展的推动力。第三方支付平台弥补银行服务功能空白，提升金融交易效率，同时在健全现代金融体系、完善现代金融功能。然而，作为依靠收取手续费率盈利的第三方支付企业，由于竞争的残酷，争相下调手续费,更有甚者使用非常规的竞争手段以争夺更多市场份额，不少第三方支付企业在很长时间一直在赔本赚吆喝。

　　　本文目的在于分析现阶段国内第三方支付同行业间竞争所存在的风险，提出相对应风险规避所应采取的对策和措施，以便于规范第三方市场，减少无序竞争所带来的问题，加快第三方企业的发展。

关键词：第三方支付 同行业竞争 价格战 风险分析

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