大学生科研创新项目研究报告项目名称探究网上支付在我国的发展.DOC

PAGE \* MERGEFORMAT11 大学生科研创新项目研究报告 项目名称： 探究网上支付在我国的发展 项目类型： 重点项目 项目年度： 2012年 项目负责人： 王晓赈（学号：32010112225） 负责人院（系）： 金融学院 专业（方向）： 金融学（国际金融） 项目组成员： 黄道申、杨雪、王可玄 指导教师： 高杰英 副教授 摘要 随着互联网的普及、电子商务的发展以及广大消费者传统支付观念的改变，人们越来越多地使用网上支付。网上支付在中国的发展开始于1998年招商银行推出网上银行业务，随后各大银行的网上缴费、移动银行业务等逐渐发展起来。现今网络支付发展迅猛，仅2010年第二季度中国网上支付交易规模便达到2083亿元，环比上涨15.6%，同比上涨86.8%，全年交易规模更是突破万亿元大关。网上支付的发展对经济及人们生活等各方面产生了重大影响。但是市场的高速增长掩盖不了网上支付行业存在的问题：一方面，现阶段国内各个组织及单位网上支付硬件水平参差不齐；另一方面，信息安全问题较严重，反映出网上监管力度不足，相关的法律法规制度不健全。网上支付是新兴的支付手段，现阶段出台的许多政策仍缺乏经验和实践性，在实际应用中的可操作性差，难以产生预期的效应。本文旨在对比国外情况分析我国网上支付的发展，并通过着重分析第三方支付与商业银行的关系探讨如何促进我国网上支付更好的发展。 关键词：网上支付、网上监管、发展迅速 Abstract With the popularity of Internet, e-commerce development as well as traditional payment consumers changing perceptions, more and more people use online payment. The development of online payment in China began in 1998 China Merchants Bank launched internet banking , followed by major banks online bill payment, mobile banking , etc. gradually developed. The rapid development of online payment today , only the second quarter of 2010 the scale of Chinas online payment transactions will reach 208.3 billion yuan, up 15.6 percent , an increase of 86.8% , the annual transaction size is exceeded one trillion yuan mark. However, the rapid growth of the market can not cover up the online payment problems: on the one hand, at this stage the various organizations and units of domestic online payment hardware uneven level; On the other hand , information security problem is more serious , reflecting the lack of online supervision , the relevant laws and regulations system is not perfect . Online payment is a new means of payment, many of the policies introduced at this stage is still lack of experience and practice. This article aims to analyze the situation abroad contrast the development of online payment and payment by focusing on analysis of third-party relationships with commercial banks to explore ways to promote better development of online payment. Ke