网上支付现状与风险防范

On the Status of Online Payment and Risk Prevention

目前,电子商务的蓬勃发展带动了网上支付的广泛应用,其应用范围的大幅扩大和使用频率的提高,渐次产生了形形色色的潜在支付风险,直接威胁到网上银行支付系统、网络商家信用及至千千万万的网上银行使用者的经济利益。及时发现网上支付存在的问题和做好相应的风险防范,是网上支付手段进一步发展的前提条件,也是电子商务稳步发展、网上支付用户经济利益的必要保证。

Nowadays,rapid development of e-business spurs payment on websites to be widespread used,which also brings all kinds of potential risks in paying while its ranges and frequency go up in a boost tend.The systematic payment and business credit,even thousands and millions of consumers depending on the web-service are in a shadow of losing their principal and interest.Therefore,it is a basement to explore the problems timely in the process of paying through websites and to make relevant measures to defense on the attempt of intrusive sales and incomes,which is also a guarantee to maintain the security of consumer＇s payments and a step to enhance the development of e-business.