2014年,我国第三方支付机构体系继续保持快速发展的势头,市场交易规模不断扩大,支付工具创新层出不穷,逐渐成为现代电子商务发展与居民生活不可缺少的金融基础设施。与此同时,在部分第三方支付机构的业务运行中也出现了一些违规现象,损害了第三方支付机构体系的整体形象。在进一步完善相关制度规则和监管模式的同时,第三方支付要真正成为我国支付体系中稳健而具有活力的重要部分,就需在鼓励创新和把控风险之间达到平衡。
<<In 2014,the third-party payment platforms continue to maintain good growth momentum. With the rapidly increasing market share and innovation of payment instruments,the third-party payment platforms have already become the necessary financial infrastructure of modern E-commerce and peoples’ life. At the same time,there were also some illegal behavior of some third-party payment platforms which damage the public image of the whole industry. The regulatory authorities should improve the relative legal system and supervision mode. In order to be the most dynamic and stable part of China’s payment system,the third-party payment platforms should search for some kind of balance between innovation and risk control.
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