近年来,随着电子商务快速发展,涌现出了大批的第三方支付平台,由此也引发了许多新的消费风险。央行对此发布了多个管理办法,对第三方支付起到了监督管理作用。然而互联网金融创新能力极强,监管和政策法规的制定往往落后于现实,本文分析了现有监管政策的几点不足,并提出了改进建议。 In recent years, with the rapid development of e-commerce, a large number of third-party payment platforms have emerged. As a result, many new consumer risks have also arisen. The central bank issued a number of management measures on this, played a supervisory role of third-party payments. However, Internet financial innovation ability is extremely strong, regulation and policies and regulations often lag behind the reality of the formulation, this article analyzes the existing regulatory policies, some shortcomings, and put forward suggestions for improvement.