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伴随着电子商务发展而产生的第三方支付机构,近年来取得了突飞猛进的发展。以支付宝为代表的一批支付平台推出各种金融、保险、证券业务,在方便人们日常生活的同时留下了法律风险,如在法律机制、金融犯罪监控与客户权益保障方面存在漏洞。对此,应当对其加强规制,以促进电子商务产业的良性发展与社会经济秩序的稳定。
With the development of e-commerce resulting from the third-party payment agencies, in recent years has made rapid development. A number of payment platforms represented by Alipay have introduced various financial, insurance and securities businesses, leaving people with legal risks while facilitating their daily life. For example, there are loopholes in the legal mechanism, monitoring of financial crimes and guaranteeing the rights and interests of clients. In this regard, it should strengthen its regulation to promote the healthy development of e-commerce industry and social and economic stability.