美国电子支付安全与防范对中国的启示

China's Enlightenment from United States' E-Payment Safety and Prevention

商务信息、资金支付和商品配送构成了一个完整的电子商务活动,其中网上支付服务是电子商务中最为关键的要素和最高层次,起着连接买卖双方桥梁的作用。采用网上支付业务,可以减少银行成本,加快业务处理的速度,方便客户,同时有利于银行开拓业务,增加中间业务的收入。但是电子支付的安全性问题成为阻碍人们选择电子支付的主要原因。如何化解人们对电子支付安全性的担忧,是开拓电子支付业务的瓶颈之所在。美国电子支付比我国的发展要早,要更加的成熟,他们的成功做法对于我国来讲具有一定的借鉴意义。

Commercial information, payment of funds and the commodity distribution compose a complete electronic commerce activity. Internet Payment Service is the most important factor and highest level of the E-commerce, playing the vital role as a bridge to connect the buyers and the sellers, lnternet Payment can help companies to reduce bank cost, to accelerate the speed of business management and make things convenient for the clients. While at the same time E-payment also helps hanks to enlarge the scopes of their business and also increases intermediate business income. The main reason that hinders people＇s use of E-payment is the safety. How to make people ease the worry of E-payment＇s safety is the key point to solve the E-payment further development. Compared with USA, their E-payment development is earlier and more mature. Their successful measures are very helpful reference to our country＇s E-payment development.