我国第三方支付的现状及问题研究摘要：在发达国家，网上支付的出现比我国的更早，相对而言它的体系比较健全，市场制度和诚信管理更加成熟。 比如，在欧洲和美国贝宝是最受欢迎的第三方在线支付工具在中国，这项业务始于 1999 年，但发展迅速。随着信息和网络技术的发展，电子商务逐渐成熟并渗透到人们的日常生活中，悄然改变着人们的传统消费和支付习惯。在电子商务中，在线支付起着不可或缺的作用，第三方支付的发展可以促进在线支付的应用。虽然电子商务为生活带来了便利，但第三方支付仍存在一些不容忽视的问题。 本文研究的课题是我国第三方支付的现状及其存在问题，先通过对其发展背景和生存环境进行分析，从多个角度剖析第三方支付公司的现状。 总结其存在的一些主要问题，以便进一步分析和总结，最后提出相应的对策。关键词：第三方支付 线上支付 电子商务 消费信贷 1Research on the Development Status and Problems of the third payment in ChinaAbstract ： In developed countries, the emergence of online payment is earlier than in China. Relatively speaking, its system is relatively sound, and its market system and integrity management are more mature. PayPal, for example, is the most popular third-party online payment tool in Europe and the United States in China. The business started in 1999 but grew rapidly. With the development of information and network technology, e-commerce has gradually matured and penetrated into people's daily life, quietly changing people's traditional consumption and payment habits. In e-commerce, online payment plays an indispensable role. Developing third-party payment can promote the application of online payment.While e-commerce brings convenience to life, there are still some problems in third-party payment that can not be ignored. The subject of this paper is the current situation and existing problems of third-party payment in China. Firstly, through the analysis of its development background and living environment, this...
