网络支付是指依托公共网络或专用网络在收付款人之间转移货币资金的行为。实践中,我国在该领域的监管上表现出主体不明、备付金管理不完善等问题,通过建立多层次的监管主体、完善备付金管理制度等措施,完善我国关于网络第三方支付的规定,保障金融消费者的合法权益,以稳定金融市场秩序,促进网络第三方支付行业的健康发展。 Network payment refers to the reliance on public networks or private networks to transfer monetary funds between payers and payers. In practice, our country’s supervision in this field shows that the main body is not clear, the management of reserve fund is not perfect, and other measures to establish the multi-level regulatory body and improve the management system of reserves and improve the provisions of the third party payment on the Internet , Protect the legitimate rights and interests of financial consumers, to stabilize the order of the financial markets and promote the healthy development of the third-party payment industry in the network.