The use of Red Envelopes in the WeChat now is no longer limited to Spring Festival. It has already become part of people's daily life. Therefore, its potential risks are also greatly increased. There are risks of infringing legal interests of users in anonymous collection and payment; there are risks of money laundering or terrorist financing activities due to un-strict customer identification; there are risks of stimulating illegal fund-raising due to huge amount of funds available; there are risks of stimulating bribery due to its nature of hiding. The measurements should be implemented to ifght against these risks. For example, the payment license should be applied individually during WeChat payment; the anti-money laundering and anti-terrorist ifnancing system suitable for the development of Internet Banking should be established; relevant laws and regulations of commercial banks should be improved; and the supervision of Internet Banking should be strengthened.%微信红包的发放和领取已不仅限于春节，而是变成了人们的日常行为，故而其中所存在的风险问题也必将被无限放大。微信红包匿名收付款存在侵害用户合法权益的风险；微信红包未严格客户身份识别存在被用于实施洗钱或恐怖融资活动的风险；微信红包沉淀巨额资金存在催生非法集资犯罪的风险；微信红包的隐蔽性存在催生贿赂犯罪的风险。针对微信红包所存在的风险，至少应综合采取微信支付应单独申请支付牌照、构建适宜互联网金融发展态势的反洗钱和反恐怖融资工作体系、完善商业银行基本法等相关法律法规、加强对互联网金融的监管等防范举措。
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