中文摘要：

近年来，我国第三方支付平台发展迅速，其隐含的风险也引起了各方的关注。在对第三方支付平台发展现状进行分析的基础上，重点剖析了第三方支付平台的主要风险，包括信用风险、金融市场风险和沉淀资金风险，还创新性地从国家安全的角度提出信息安全风险。并针对这些风险给出了防范措施，有利于第三方支付平台的发展。

英文摘要：

In recent years, the third party payment platform in China has developed rapidly, and the implied risk has attracted all parties＇ attention. On the basis of analyzing the current situation of the third party payment platform, the main risks are analyzed. They are credit risk, financial market risk and precipitation capital risk. It also puts forward the risk of information security from the perspective of national security innovatively. It proposes the preventive measures in view of these risks which are advantageous to the development of the third party payment platform.