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1、电子支付渠道价值提升探究摘要信息技术的发展为社会和经济的变革提供了无限的创新动力,电子商务从根本上改变了传统的商务模式,作为新兴的交易模式在各地迅速发展。这种方式简化了贸易流程,增加了贸易机会,降低了贸易成本提高了贸易的效益,明显的显示出社会效益和经济效益。电子支付是电子商务的结算手段,与传统支付模式相比,电子支付便利会计,极大的促进了贸易结算和商品的流通,成为整个电子商务中的关键环节。尽管电子支付方式已经在各个领域快速发展,但是在公共服务、政企改革方面仍然有巨大的潜力。本位从支付与电子商务相互关系出发,探讨电子支付的分类和特点,概述了电子支付的现状和问题。以电子支付为调研对象,从技
2、术手段、第三方支付等方面进行分析,调研其它公共事业单位的电子支付渠道并形成价值分析报告,最后对政企用户电子支付渠道的拓展给予相应的建议,希望能再政务商务方面为电子支付开拓新的渠道,从而加快电子支付的深入应用,使我国国民经济在信息技术的基础上快速发展,提高市场经济体系中参与国际竞争的能力。关键词:电子支付行业应用领域AbstractThedevelopmentofinformationtechnologyprovidesthesocialandeconomicchangeofinfiniteinnovationpower,theelectroniccommercehasfundamen
3、tallychangedthetraditionalbusinessmodel,asanemergingtrademodeinthecountry'srapidlydevelopment.Thiswaytosimplifythetradeprocess,increasedtradeopportunities,reducethetradecostimprovethetradeefficiency,clearlyshowsthesocialbenefitsandeconomicbenefits.Electronicpaymentiselectroniccommercemeansofset
4、tlement,comparedwiththetraditionalmodeofpayment,convenientelectronicpaymentaccounting,greatlypromotedthetradesettlementandthecirculationofgoods,becomethekeylinkinthee-commerce.Althoughtheelectronicpaymenthasbeenrapiddevelopmentinallfields,butinthepublicservice,enterprisereformstillhasgreatpoten
5、tial.Standardstartingfromtherelationshipbetweenpayande-commerce,discussestheclassificationandcharacteristicsofelectronicpayment,summarizesthepresentsituationandproblemsoftheelectronicpayment.Withelectronicpaymentasresearchobject,fromtheaspectsoftechnicalmeans,suchasthird-partypaymentwereanalyze
6、d,andtheresearchofotherutilitieselectronicpaymentchannelsandformavalueanalysisreport,finally,theelectronicpaymentchannelstoexpandenterpriseusersgivecorrespondingSuggestions,hopingtogovernmentbusinessagainopenupnewchannelsforelectronicpayment,soastospeedupthefurtherapplicationoftheelectronicpaym
7、ent,makeourcountrynationaleconomyonthebasisoftheinformationtechnologyrapiddevelopment,improvetheabilitytoparticipateininternationalcompetitioninthemarketeconomysystem.Keywords:electronicpaymentindustryapplications目录摘要1第一章绪论4第二章电子支