本科论文-第三方支付.pdfVIP

摘　　　要 随着互联网时代的到来， 电子商务得到了迅速的发展繁荣，第三方支 付服务应运而生，并迅速成长为电子商务的核心功能之一。第三方支付服 务是指一些和所在国家以及国外各大签约、并具备一定实力和信誉保障 的第三方独立机构提供的交易支持服务。发达国家第三方支付服务经过 多年的探索和发展已经 日趋完善和成熟，与发达国家第三方支付服务发 展现状对比，我国第三方支付服务起步较晚，基础设施有待完善；第三方 支付服务平台存在漏洞；第三方支付服务企业大多要依靠其他部门开展业 务，自身独立性较差；监管部门职责不明确导致监管不到位、企业提供的 服务没有统一的行业标准以及缺乏奖 制度等一系列问题。因此，我们要 在解决以上 问题的基础上，极力发展作为电子商务的核心业务之一的第 三方支付服务，这对促进电子商务的发展、降低 电子交易的成本、方便互 联网消费者进行网购支付的结算、推动互联网支付服务的创新具有重大 意义。 本文共分为四个部分。首先，对第三方支付服务进行概述；其次，介绍 了国内外第三方支付服务的现状；再次，分析了我国第三方支服务存在的 问题；最后，提出了发展我国第三方支付服务的对策。 关键词 ：第三方支付服务 现状 存在 问题 发展对策 Chinese Third-Party Payment Service Present Situation And Development Countermeasures : with the advent of the era of Internet, e-commerce has been rapid development and prosperity, third-party payment services arises at the historic moment, quickly grew into one of the core functions of electronic commerce. Third-party payment service refers to some of the country and abroad banks signed and have a certain strength and credit guarantee the third-party independent agency provide transactions support platform.The developed countries of the third-party payment service after years of exploration and development has become more perfect and mature,and the developed countries to the third-party payment service development present situation,our country third-party payment services started late,the infrastructure needs to be improved; the existence of loopholes in the third-party payment platform;most to develop business to rely on other departments of the third-party payment service enterprise,its independence is poor;regulatory responsibility is not clear cause the regulation is not in place,the enterprise prov