A Study on Relationship between Third-party Payment and Cons(9)

essentially similar to the settlement business. In addition, for the buyer and the seller to provide third party guarantee platform lonely accumulate a large amount of money at the same time, show the similar to the function of bank deposits. According to the country commercial bank law "regulation, absorb deposits and issue loans, to handle the settlement is the bank's proprietary business. Third-party payment platform operations has breakthrough the limitation of some existing franchise, what should be how to position, is the problem that we should ponder.

2. Precipitation in road for capital and virtual account of risk in the process of payment, whether the third party payment platform mode or insider trading, has a money sequestration, when absorbing funds reached considerable scale creates a security risk and pay money.

(1) mode, the third-party payment platform on the outstanding funds tend to settle on a third party to open an account in the bank, the general merchants of money will be for two days to a few weeks, this part in road, the possibility of risk are: first, in road capital increasing, the third-party payment platform itself credit risk index increase. Third-party payment platform for online trading guarantee on both sides, who would provide third party guarantee? Second, the third party payment platform, there are a lot of money in precipitation, if the lack of effective liquidity management, may cause payment risk.

(2) Under the mode of insider trading, involves the issue of virtual currency and use. The current virtual currency has not yet been incorporated into the central bank's regulation, and free from the banking system, it is difficult to tracking platform inside money flows; it will have what kind of impact to the real society is not clear. But now the issue of virtual currency is completely out of control, and as more and more people are recognized and using virtual currency, once the virtual currency monetary docking with reality problems arise, will be a huge disaster. No one is willing to pay for this risk, also can't afford it.

The anti-money laundering act

3. Money laundering risk brought by the central bank in the money laundering