支付宝被国家收编，或许是其最终归宿
移动支付作为中国的“新五大发明”之一，为人们的生活带来了极大的便利， 日常生活中，生活使用得最多的支付方式是支付宝支付和微信支付，微信依托腾讯QQ时代积累的大量人气而得以壮大，支付宝本身金融出身，前期为淘宝的提供担保交易，如今在金融方面已具备强大全面的服务能力。
相比于微信，个人更喜欢支付宝，支付宝除了拥有其专业金融服务能力，更重要的一点，他是一家有道义的公司。支付宝的花呗借呗网商货，为多少资金周转困难的陌生人解了燃眉之急，支付宝的余额宝，让你的钱生更多的利息，支付宝的蚂蚁森林，让你的经济行为参与到世界环保事业中来。支付宝时常发红包让利给用户，支付宝关心着用户的健康。。。。。。
支付宝近几年发展过程中有一些波折，首先是银行对转入转出支付宝的资金手续费加收问题，后来又是余额宝的额度限制问题，用户的资金需要抢份额才能将资金从余额转入余额宝问题，支付宝交易转帐纳入银行结算体系问题。这些波折一定程度上影响了用户的体验值，这些改变跟国家对其管控不无关联，现在支付宝母公司阿里巴巴人事出现重大事件，马云宣布明年卸任董事，由张勇接替，国家管控收编支付宝，成了支付宝的最终归宿。
支付宝走到今天这地步，早已注定，因为支付宝至少犯了两个重大禁忌。第一个禁忌是支付宝从市场吸收大量资金严重损害了国有银行的利益，银行必然对其打击。第二个大禁忌是源源不断的资金进入支付宝会威胁到中国金融整体的安全。当支付宝容纳的资金足够庞大，会使央行的货币政策失效，资金不会随着央行利率的引导进行流动，而是随着支付宝的收益高低进行流动。这相当于一个企业代替了央行的部分职能，金融安全是一个国家经济平衡运行的关键，金融安全受制于一个企业，中国作为一个社会主义国家绝对不允许这种情况出现 。
支付宝碰了禁忌，动了人家的奶酪，被国家收编是最终的归宿，对于广大忠实用户而言，肯定不情愿看到现在的局面，但从金融安全角度来说，或许不是一件坏事。
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