电子支付渠价值提升探究.doc

电子支付渠道价值提升探究 摘要 信息技术的发展为社会和经济的变革提供了无限的创新动力，电子商务从根本上改变了传统的商务模式，作为新兴的交易模式在各地迅速发展。这种方式简化了贸易流程，增加了贸易机会，降低了贸易成本提高了贸易的效益，明显的显示出社会效益和经济效益。电子支付是电子商务的结算手段，与传统支付模式相比，电子支付便利会计，极大的促进了贸易结算和商品的流通，成为整个电子商务中的关键环节。尽管电子支付方式已经在各个领域快速发展，但是在公共服务、政企改革方面仍然有巨大的潜力。本位从支付与电子商务相互关系出发，探讨电子支付的分类和特点，概述了电子支付的现状和问题。以电子支付为调研对象，从技术手段、第三方支付等方面进行分析，调研其它公共事业单位的电子支付渠道并形成价值分析报告，最后对政企用户电子支付渠道的拓展给予相应的建议，希望能再政务商务方面为电子支付开拓新的渠道，从而加快电子支付的深入应用，使我国国民经济在信息技术的基础上快速发展，提高市场经济体系中参与国际竞争的能力。 关键词:电子支付 行业应用领域 Abstract The development of information technology provides the social and economic change of infinite innovation power, the electronic commerce has fundamentally changed the traditional business model, as an emerging trade mode in the countrys rapidly development. This way to simplify the trade process, increased trade opportunities, reduce the trade cost improve the trade efficiency, clearly shows the social benefits and economic benefits. Electronic payment is electronic commerce means of settlement, compared with the traditional mode of payment, convenient electronic payment accounting, greatly promoted the trade settlement and the circulation of goods, become the key link in the e-commerce. Although the electronic payment has been rapid development in all fields, but in the public service, enterprise reform still has great potential. Standard starting from the relationship between pay and e-commerce, discusses the classification and characteristics of electronic payment, summarizes the present situation and problems of the electronic payment. With electronic payment as research object, from the aspects of technical means, such as third-party payment were analyzed, and the research of other utilities electronic payment channels and form a value analysis report, finally, the electronic payment channels to expand enterprise users give corresponding Suggestions, hoping to government business again open up new channels for electronic payment, so as to speed up the further application of the electronic payment