第三方支付与银行网上银行业务发展的分析研究 论文英文参考VIP免费

Third-partypaymentsecuresonlinepurchaseTheso-calledthirdpartypaymentmeanssuchakindoftradinginwhichacertainthirdpartyinstitutionprovidedwithensuredcreditstandingprovidetrusteeshipservicesonfundsforpurposeoftradingwhilesellersandpurchasersconducttheirsettlementsonaplatformthatthethirdpartyprovideswith.Whenapurchaserhadconfirmedanorder,paymentforgoodsshouldbefirstremittedontothethirdparty'splatform,whichwillgiveaconsignmentnoticetotheselleruponhavingconfirmedthatthepaymenthasbeengathered.Whenthepurchaserhasacceptedthegoodsandconfirmedthatthegoodsaresatisfactory,thethirdpartywillremitthepaymenttotheseller.Sobothsellersandpurchaserswillbeunderthesupervisionofthethirdpartyplatform.Havingbeencooperatingwithe-shoppingfortenyears,thethirdpartyelectronicpaymentindustryinChinahasbeendevelopinginastridingmanner.Atpresent,about50domesticenterpriseshavebeenengagedinthethirdpartyelectronicpaymentandAlipay.com,tenpay.com,andChinapay.comastheTop3intheindustryhaveseizedabout80percentofallmarketshares.In2007,thetradingvolumeinthethirdpartypaymentmarketbrokethroughRMB100billionyuan,morethandoubledyearonyearandthuscontinuingtomaintainagrowthrateover100percentforfiveconsecutiveyears.Theyear2003isawaterdivideforthedevelopmentofthedomesticthirdpartye-paymentindustry."Duringthefiveyearsbefore2003,themarketwascultivated;duringthefiveyearsafter2003,theindustryhasbeenexpandingintermsofscale."saidCaoFei,aresearcherofAnalystsInternationalone-commerce.E-paymentande-commercearetwinbrothers.Asthemostimportantdrivingforceforthethirdpartypayment,e-commercehadbeendevelopinginatoddlingstateduringfiveyearsatthebeginningastheconsumptioncapacityofnetizenswaslesssubstantiallylarge,theconceptofe-commercewasintroducedfromoutsideintoChinaandtherelackedlocalizedinnovations.Afavorableturnfromsuchasituationcamein2003.Drivenbyover100millionnetizens,thewaveofe-commercelocalizationboostrapidly;andsubsequently,thethirdpartyelectronicpaymentplatformsexperiencedaperiodofrapiddevelopment.In2003,thirdpartypaymentservicesstartedinChinaandthetradingvolumeonlyamountedtoRMB7.4billionyuanin2004.Then,theannualgrowthratewasmaintainedabove100percentinthesubsequentyears.Attheverybeginning,therewereonlytwoorthreeprovidersofsuchservices;butsuchprovidersrapidlyincreasedandamountedtoaboutover40or50.Thesuccessfulpatternofe-paymentwasrapidlycopiedintheindustry,andlarge-scalee-commercewebsitesbegantosetuptheirrespectivepaymentplatformsinsuccession,whichlaterbecometheirsubordinateenterprisesandthenextendedoutanddevelopedNow,almostall��large-scalee-commercewebsiteshavebeenprovidedwithacontractedthirdpartypaymentplatform.Thethirdpartyplatformshavehelpedtogetthetradingflowsimplifiedandhavealsosetupastageoftrustbetweentradingparties."Itispossibletofindandbuyfreshvegetablesandfruitsonline,whichwillbedeliveredfreeofcharge."Ms.Liu,whosehomeisintheQingchengResidentialAreainDaxingDistrict,Beijing,isatypicalofficeworkerwhogoestoworkat9:00a.m.andcomesoffworkat5:00p.m.,andsheusuallydoesshoppingonlineformajorarticleslikehouseholdelectricappliancesandminorarticlesincludingvegetables,foodstuff,edibleoilandsalt."6outof10articlesatmyhomewerepurchasedonline."Usually,Ms.Liumainlybrowseswww.taobao.comandwww.paipai.comforpurposeofshopping;therefore,shehasespeciallyregisteredtworespectiveaccountsofthethirdpartypayment:Alipay.comandtenpay.com.Itseemsthatsheisdo...