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毕业论文（设计）.doc

《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毕业论文（设计）.doc》由会员上传分享，免费在线阅读，更多相关内容在学术论文-天天文库。

1、Third-partypaymentsecuresonlinepurchaseTheso-calledthirdpartypaymentmeanssuchakindoftradinginwhichacertainthirdpartyinstitutionprovidedwithensuredcreditstandingprovidetrusteeshipservicesonfundsforpurposeoftradingwhilesellersandpurchasersconducttheirsettlementsonaplatformthatthethirdpartyprovides

2、with.Whenapurchaserhadconfirmedanorder，paymentforgoodsshouldbefirstremittedontothethirdparty’splatform，whichwillgiveaconsignmentnoticetotheselleruponhavingconfirmedthatthepaymenthasbeengathered.Whenthepurchaserhasacceptedthegoodsandconfirmedthatthegoodsaresatisfactory，thethirdpartywillremitthepa

3、ymenttotheseller.Sobothsellersandpurchaserswillbeunderthesupervisionofthethirdpartyplatform.Havingbeencooperatingwithe-shoppingfortenyears,thethirdpartyelectronicpaymentindustryinChinahasbeendevelopinginastridingmanner.Atpresent，about50domesticenterpriseshavebeenengagedinthethirdpartyelectronicp

4、aymentandAlipay.com，tenpay.com，andChinapay.comastheTop3intheindustryhaveseizedabout80percentofallmarketshares.In2007,thetradingvolumeinthethirdpartypaymentmarketbrokethroughRMB100billionyuan,morethandoubledyearonyearandthuscontinuingtomaintainagrowthrateover100percentforfiveconsecutiveyears.They

5、ear2003isawaterdivideforthedevelopmentofthedomesticthirdpartye-paymentindustry.”Duringthefiveyearsbefore2003,themarketwascultivated;duringthefiveyearsafter2003,theindustryhasbeenexpandingintermsofscale.”saidCaoFei，aresearcherofAnalystsInternationalone-commerce.E-paymentande-commercearetwinbrothe

6、rs.Asthemostimportantdrivingforceforthethirdpartypayment,e-commercehadbeendevelopinginatoddlingstateduringfiveyearsatthebeginningastheconsumptioncapacityofnetizenswaslesssubstantiallylarge，theconceptofe-commercewasintroducedfromoutsideintoChinaandtherelackedlocalizedinnovations.Afavorableturnfro

7、msuchasituationcamein2003.Drivenbyover100millionnetizens，thewaveofe-commercelocalizationboostrapidly;andsubsequently,thethirdpartyelectronicpaymentplatformsexperiencedaperiodofrapiddevelopment.In2003,thirdpartypaymentservice