| Commodity exchange, international services, Global economic integration and the rapid IT development and application of trade and the flow pattern of a revolutionary change, its most representative of the application of e-commerce. And the development of an e-commerce question is how to pay and the integrity of electronic transactions. In many solutions, third party payment by virtue of its advanced design flow and improve credit evaluation system best to achieve the convenience of electronic payment and the security of transactions, have greatly promoted the development of e-commerce. The other hand, the third party payment is based on cash flow, information flow and transaction records credit rating network platforms. It and its affiliated parties gather financial risks, if the lack of regulation is easy to have a credit crisis.With large cash flow, the problems of the third party payment are devastating. Strengthening the supervision has become the consensus of the community. Third party payment the emergence and development of e-commerce and financial information of the combination of product, its mode of operation similar to bank credit clearing, and the distortion of competition in the market caused the third party payment services and free of widespread losses in the industry, gather financial risks, as well as traditional financial clearing businesses have serious impact, Therefore it targeted monitoring is particularly pressing. Multiple uses of perfect information game and panel data of the random effects model measurement analysis also confirmed the conclusions of the above analysis. I proposed to the regulatory laws and regulations for the mandatory implementation, and the third party payment will be e-commerce store credit records into the enterprise and individual credit information system, and this will pay for third-party development of the health sector, but also is conducive to avoid financial risks and e-business prosperity. |
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