我国第三方支付规范发展研究——基于互联网金融发展趋势

Research on the Development of the Third Party Payment Standard in China——Based on the Development Trend of Internet Finance

第三方支付作为互联网金融的重要部分,在盈利模式和支付手段创新上更加契合互联网环境下消费者消费习惯,但也面临着缺乏统一的支付标准、监管难度更大的挑战。从整个互联网金融发展来看,市场细分与业务多元化、第三方支付面临行业洗牌将会是未来几年的发展趋势,第三方支付应以持续创新实现产业链整合、加大技术研发力度、重视风险防控、重视第三方支付业务安全、加强第三方支付公共服务平台建设等措施,实现健康可持续发展。

The third party payment, as an important part of the Intemet financial innovation, fits the consumers＇ habit in the Internet environment in the profit model and means of payment, but it also faces some problems such as the lack of unified payment standard and supervision. From the development of the Internet finance, market segmentation and business diversification, the third party payment industry will be the future development trend, the third party payment should carry on continuous innovation to realize the integration of industrial chain, increase R＆D efforts, pay attention to risk prevention and control, pay attention to the third party payment security, strengthen the construction of public service platform, so as to achieve healthy and sustainable development.