第三方支付平台沉淀资金利用的研究

Research on the Third Party Payment Platform Precipitation Funds Utilization

近些年来,互联网行业的迅速发展,促使了电子商务和互联网金融兴起,为了弥补其中的信用缺失,第三方支付平台应运而生,但随之也产生了大量的沉淀资金。然而这些潜在的金融资本如果没有被合理有效的利用,必将是巨大的资源浪费,同时也会严重阻碍第三方支付平台的正常发展。因此,文章主要就第三方支付平台在沉淀资金的利用上所面临的投资工具缺乏,交易和监管上的问题进行分析探讨,并对如何科学有效地利用沉淀资金进行研究。

In recent years the rapid development of internet industry ,promote the rise of e-commerce and network finance,in order to make up for the lack of credit,the third party payment platform arises at the historic moment,but also produces a large amount of precipitation funds at the same time,however,the potential financial capital if it is not reasonable and effective use,it will be a huge waste of resources,will seriously affect the normal development of the third-party payment platform.Therefore ,this article mainly on the third-party payment platform in the use of precipitation funds facing the lack of investment tools ,trading and regulatory issues are analyzed. For the above three questions put forward the relative countermeasures ,give new ideas for use precipitation funds , and in its use on the concrete means of providing certain reference direction.