전자적 환경하의 대금결제관행에 관한 연구

Abstract

The development of Internet has led to unprecedented upsurge of electronic commerce and. The third-party-payment market arises as the expedited on-line payment market at this historic moment. Payment linkage has always been the bottleneck for electronic commerce development in our country. As an important part of E-commerce, the reform of online payment promote the E-commerce's booming. The third-party payment established a security, effective, convenient and low-cost way to transfer funds between merchant and customer. The third-party payment effectively alleviated the payment pressure on electronic commerce development and became beneficial attempt to tackle the payment difficulty. But as a creative payment model, its own inevitably has very many problems, especially third-party payment market overheated competition, technical security, regulatory, credit system, corporate earnings, precipitation funds, precipitation capital, hinder the development of third-party payment. On September 1, 2010, non-financial institution payment service management approach began implemented to strengthen the supervision of the third-party payment companies. And the guidance of policy offered great opportunities and challenges for the third-party payment platform. In this study, from third-party payment feature in China reveals the multifaceted risks brought about by the third-party payment, and seeks to explore solutions. First, it gives a description of the third-party payment theory, the concept of third-party payment, characteristics, mode, the payment process, industrial chain. Then, the analyzes the development process, development status of third-party payment market in China. use of PEST analysis from political, economic, social, technological, macro environment analysis of the third-party payment market in China. Then, it reveals revenue problem for the third party payment companies, the credit system, the issue of competition with banks, payment security issues, sedimentation funds. Finally, in order to solve these problems from the government, financial institutions, and third-party payment enterprises to put forward improvement plans.