基于第三方的网上支付方式分析-企业管理专业论文.docxVIP

摘要摘 摘要 摘 要 上世纪90年代以来，随着网络通信和信息技术的突破性进展，Internet在全球迅速 普及，电子商务应运而生。电子商务是一种全新的商务模式，它能更好地满足客户需求， 也能给商家提供更广阔的市场。 电子商务包含信息流、资金流、物流之间的互相转化，而作为中间环节的资金流是 电子商务过程中交易双方最为关心的问题，也是制约电子商务进一步发展的瓶颈。如何 有效地解决电子商务交易过程中的资金支付问题成为一个新的攻关课题。第三方支付的 出现，是解决我国电子商务资金支付问题的一种有效措施。 本文主要进行基于第三方的网上支付方式研究。首先，本文阐述了第三方支付的理 论基础。接下来，本文着重从支付安全技术、盈利模式等几方面比较、分析国内外典型 的第三方支付方式_PayPal模式、支付宝模式。在网上支付安全技术及基本流程方面， 中国已经找到适合自己的模式，但是在支付环境构建、诚信体系的建设以及政府相关立 法的问题上还是需要借鉴PayPal．的成功模式。最后，本文针对我国第三方支付的现状分 析了当前第三方支付所存在的一些问题如金融监管问题、市场准入体制等提出具体的对 策，进而探讨适合我国国情的第三方支付方式。 关键词： 第三方支付；电子商务；网上支付 人选交通入学管理学硕十学位论文Abstract 人选交通入学管理学硕十学位论文 Abstract Since 1990s’，Electronic Commerce(EC)was born with the development of internet and information technology．EC is a completely new style of commerce，which call satisfy customers’demands much better，and also can provide markets much broader． EC includes the flow of the information，capital and logistics in the business transactions， and capital is the most important part that traders pay most attentions．How to settle the arduous problem of capital effectively has become a new study subject．The emergence of the third—party payment platform is the best solution to capital security measures． The paper mainly studies the online payment based on the third-party payment．At the starting of the paper makes the statement of the research’S background．Then，this thesis focus Oll advanced the third-party payment—PayPal’S model，our third—party payment platform—to PayPal study，and compared them for analyzing．Thirdly，through analysis found that the payment of security technologies are fundamental aspects of the process，China has to find its own model to pay the environment，the integrity of the system，as well as the building of the government’S legislation on the issue and needs to use PayPal or the success of the model． Finally，the thesis raises solutions to the problems which werc pointed at．And the paper probes into the suitable online payment． Key words：The third·-party payment；Electronic··Commerce；Online payment