近年来,我国电子商务市场发展迅猛,作为其中重要配套设施的第三方支付平台,也呈现出交易规模不断放大、影响范围日趋广泛、潜在价值逐步显现的态势。央行《非金融机构支付服务管理办法》出台后,第三方支付平台的发展空间和市场前景更加明朗,与商业银行之间既竞争又合作的关系也日益凸显——没有银行提供的基础设施,第三方支付就 In recent years, the rapid development of e-commerce market in our country, as one of the important supporting facilities of the third-party payment platform, but also showing the size of the transaction continue to enlarge, the impact of an increasingly wide range of potential value gradually emerged trend. After the introduction of the “Measures for the Administration of Payment Services of Non-Financial Institutions” by the Central Bank, the development space and market prospects of third-party payment platforms have become clearer. The relationship with commercial banks that are both competitive and cooperative has become increasingly prominent - without the infrastructure provided by banks, Three parties to pay