毕业设计(论文)-网上支付存在的问题及对策研究

电子科技大学毕业设计（论文）论文题目：学习中心（或办学单位）：指导老师：职称：学生姓名学号:专业：电子商务电子科技大学XXXX学院制XXXX学院2012年月日电子科技大学摘要I摘要电子商务是人类社会发展史上的又一次革命，它代表了一种基于信息技术与数子化手段的全新理念和模式,并彻底改变了传统的商业模式与战略。随着信息技术和网络技术的高速发展,电子商务近年来取得了很大的发展,并逐步深入社会经济生活的各个领域。在电子商务中,网上支付是其关键一环。只有实现了网上支付,才能进行真正意义上的电子商务交易,否则电子商务只能停留在网上信息发布与搜索、初步意向达成和草签协议阶段。而人们是否采用网上支付最主要考虑的因素就是安全。我国电子商务和网上交易近年来取得了较大的发展,然而也存在很多问题。其中网上支付正成为我国电子商务发展的瓶颈之一。影响网上支付发展的因素很多,可分为技术性因素和非技术因素。由于我国信息技术发展起步较晚,因此在发展网上支付方面存在一定的技术困难。然而,从目前我国的网上支付发展情况看,非技术因素的影响越来越明显。本文论述了电子商务和网上支付理论、协议以及相关概念,分析了我国网上支付发展的现状和存在的主要问题,主要包括:安全问题、技术问题、观念问题、信用问题、社会问题、经济问题、法律问题等。为了加快发展和完善我国的网上支付体系,本文针对以上问题从吸收国外先进技术、网上支付模式、信用认证体系、基础设施、法律制定以及人才培养等方面提出了一些对策和建议。关键词：网上支付；发展研究；对策ABSTRACTIIAbstractElectroniccommerceisthehistoryofhumansocietyandarevolution,itrepresentsakindofbasedontheinformationtechnologyandthenumberofthenewmeanssonconceptandmode,andthoroughlychangedthetraditionalbusinessmodelsandstrategy.Alongwiththeinformationtechnologyandnetworktechnologyhighspeeddevelopment,electronicbusinessinrecentyearshasachievedgreatdevelopment,andgraduallydeepsocialeconomiclifeinallareas.Ine-commerce,onlinepaymentisthekeylink.Onlyrealizetheonlinepaymentthatcanreallysenseofelectronicbusinesstransactions,orelectronicbusinesscanonlystayintheonlineinformationreleaseandsearch,apreliminaryintentanddrawupacontractstage.Andifpeopleusingtheonlinepaymentthemainfactorsofconsiderationissafe.Thedevelopmentofelectroniccommercehasthreebigbottleneck:payment,logistics,credit,visibleon-linepaymenthasbecometheelectroniccommercedevelopmentneedstosolvetheproblem.Thedomesticonlinepaymententerprisesfacingnetworksecurity,marketcompetition,cost,profitpressure,innovationinservicesandlackoflegalandpolicyriskalotofproblems,forthis,thispapermainlystudiesthemethodofonlinepaymentrelatedcountermeasureandresearchmethod.Firstproposede-commerceandonlinepaymentrelationship,thentheanalysisoftheonlinepaymentdevelopmentcharacteristic,findoutthemajorproblems,establishmentofscenarioplanningmodeltodeterminetheonlinepaymentbusinessdevelopmentbetweentherolesofdirectandindirectinfluence,throughthecomprehensiveroleinfluence,formreasonablestrategy,finallythroughmorphologicalanalysismethodforthepredictionofonlinepaymentindustryfuturescenarios.KEYWORD:Onlinepayment；DevelopmentResearch；Countermeasure目录III目录第1章绪言...................................................................................................................................11.1研究的背景..............................................................................................................11.2研究的目的..............................................................................................................31.3研究的意义..............................................................................................................4第2章电子商务综述...................................................................................................................52.1电子商务概念.........................................................................................................52.1.1电子商务的定义.........................................................................................52.2电子商务的特性.....................................................................................................62.2.1网络技术角度的电子商务特点.................................................................62.2.2商务角度的电子商务特点.........................................................................62.3电子商务的发展历程.............................................................................................72.4电子商务的交易模式...........................................................................................102.4.1三种电子商务模式交易平台各自的特点...............................................102.4.2三种电子商务模式的交易结构..............................................................112.5电子商务发展存在的问题...................................................................................12第3章网上支付产业发展分析.................................................................................................143.1网上支付行业的构成...........................................................................................143.2网上支付平台比较和分析...................................................................................153.2.1网上支付的分类.......................................................................................153.2.2主要网上支付平台比较...........................................................................173.3网上支付市场现阶段特点...................................................................................233.3.1网上支付行业买家市场...........................................................................233.3.2电子商务网上支付发展不均衡...............................................................243.3.3网上支付行业其他特征...........................................................................253.4网上支付存在的问题分析...................................................................................263.4.1网上支付的安全性...................................................................................263.4.2网上支付的易用性.................................................................................