1、 1 论我国第三方支付的现状与发展对策 摘摘 要：要：电子商务的运作整合了信息流、资金流和物流,作为中间环节的支付(实现资金流 的转移),是电子商务流程中交易双方最为关心的问题，也是电子商务发展的瓶颈。第三方 支付平台的出现，是解决电子商务中支付问题的一种方案，从其运作过程及其实现的功能 来看，有其别的支付方案的不可替代性。文章描述了第三方支付及其发展现状,分析了第 三方支付发展中存在的定位、盈利、安全等方面的问题，同时提出了相关方面的发展对策。 关键词：第三方支付；现状；对策；盈利 On Chinas Third-party Payment of The Present Situation
2、and Development Strategy Abstract:Electronic commerces operation conformity information flow, the fund class and the physical distribution, took the middle links payment (to realize fund class shift), was in the electronic commerce flow trades both sides most issue of concern, was also the electroni
3、c commerce development bottleneck. The third party pays the platform the appearance, is solves in the electronic commerce to pay the question one kind of plan, and realizes the function looking from its operation process, has its other payment plan not the interchangeability. The article described t
4、he third party payment and the development present situation, has analyzed aspect and so on localization which, profit, safety in the third party payment development exists questions, simultaneously put forward the related aspect development strategies Key words:Third-party; Payment Status; Countermeasures; Profit 2 根据 CNNIC 在 2008 年 1 月发布的第 21 次中国互联网发展状况统计报告,截至 2007 年 12 月底。中国网民达到 2.1 亿，网络购物比例是 22.1%，购物人数规模达到 4641 万。在 支付方式上， 网民进行网络购物时有 73.8%选择网上支付,使用网上支付的比例呈逐年递增 趋势。可见，庞大的网民数是我国电子商务持续发展
