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一、引言随着国内第三方支付平台的不断拓展与深化,带有金融属性的第三方支付平台在未来将会成为行业发展的一个重要方向。2013年第3季度,第三方支付行业互联网平台转接依旧保持较快增长,规模达到16655亿人民币,环比增长16%。2013年6月13日,中国首支基金公司与第三方支付平台联手设立的基金理财产品“余额宝”正式上线,掀起了基金公司与第三方支付平台合作的浪潮,互联网基金平台服务开始起步。
I. INTRODUCTION With the continuous expansion and deepening of the domestic third-party payment platform, the third-party payment platform with financial attributes will become an important direction for the development of the industry in the future. In the third quarter of 2013, the transfer of third-party payment platforms in the Internet industry still maintained a rapid growth, reaching RMB166.55 billion with an increase of 16% from the previous quarter. On June 13, 2013, the first wealth management product “YuBaoBao” set up jointly by China’s first fund company and a third-party payment platform was formally launched, triggering a wave of cooperation between fund companies and third-party payment platforms, and started the service of internet fund platform Start.