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近年来,我国第三方支付服务行业获得了巨大的发展,市场规模不断扩大,自2005年以来连续保持高速增长的发展势头。第三方支付作为新型支付方式正日益成为中国金融支付体系中不可或缺的重要组成部分。但是处于迅猛发展期的第三方支付市场因粗放经营而良莠不齐,一部分经营不善的企业会在激烈竞争中退出市场。这些企业虽然所占市场份额极小,但因涉及广大商家和消费者利益,覆盖面较大,处理不当容易产生社会问题,而且会对地区金融系统的稳定性造成冲击。因此,对第三方支付退出机制应予高度关注。
In recent years, the third-party payment service industry in our country has made tremendous development. The market size has been constantly expanding. Since 2005, the payment service industry has continuously maintained its momentum of rapid growth. Third-party payment as a new form of payment is increasingly becoming an integral part of China’s financial payment system. However, the third-party payment market, which is undergoing a period of rapid development, is greatly affected by extensive operations. Some enterprises that are not well-run can withdraw from the market in fierce competition. Although these enterprises occupy a very small market share, they are subject to large-scale coverage due to the interests of the vast number of businesses and consumers. Social problems caused by improper handling may also impact on the stability of the financial system in the region. Therefore, the third party payout mechanism should be highly concerned.