电子商务支付模式研究

Study on payment mode of e-commerce

随着电子商务的快速发展,对于消费者而言,越来越追求电子商务的便捷与快速支付模式,因此,如何安全快速有效的解决电子商务支付问题,成为未来电子商务发展的核心内容。电子商务支付模式是电子商务支付的核心,也是电子商务流程中的核心环节,近年来,我国电子商务支付模式也日益创新。详细介绍了目前我国四大主流电子商务模式,提出支付网关是电子商务支付的基石,网上银行是电子商务支付的核心,第三方支付和手机支付是电子商务发展的热点。

Electronic commerce payment is the product of fictitious economy,along with the development of electronic commerce and gradually expand.E-commerce payment model is business to business(B2B),business(B2C)to the individual,personal to personal(C2C)and business to government(B2G)e-commerce activities of the link,also is the core of e-commerce payment system.This paper introduces the four major e-commerce models in China.This paper puts forward that payment gateway is the cornerstone of electronic commerce payment.Online banking is the core of e-commerce payment,and third-party payment and mobile payment are the hot spots of e-commerce development.