發(fā)布時間：2018-03-25 05:33

  本文選題：電子商務(wù)　切入點：第三方支付　出處：《北京交通大學》2017年碩士論文

【摘要】：電子商務(wù)的廣泛運用大大方便了人們的生活,而支付作為電子商務(wù)交易中關(guān)鍵的環(huán)節(jié)更加推動了電子商務(wù)本身的發(fā)展。依據(jù)互聯(lián)網(wǎng)興起的電子商務(wù)支付方式在不斷創(chuàng)造出新的支付路徑的同時,也在悄悄的改變著人們的生活習慣。文章從交易技術(shù)和信用兩個方面出發(fā),首先闡述了支付的由來及發(fā)展,分為貨幣出現(xiàn)前后對于支付產(chǎn)生的影響,而后論述了電子商務(wù)中貨到付款、網(wǎng)上銀行支付、第三方支付、移動支付等不同支付方式的優(yōu)缺點,突出了第三方支付在餐飲、商超、出行等領(lǐng)域中的延伸,以及在信用、法律政策方面的不足。之后從邏輯角度分析了支付與交易的關(guān)系,指出支付與交易的關(guān)系從最初的不可分逐漸演化到兩者的分離,而新型的支付方式則開始打破原有的時空界限,同時運用時空壓縮、在場可得性、時間成本曲線說明支付方式的時空特性及其演變進程,接下來以信息不對稱為切入點指明電子商務(wù)支付興起的本質(zhì)是信用的建立,通過論述支付形式的創(chuàng)新推動信用形式的演進,得出信用尺度不斷擴大的結(jié)果,并指明信用的發(fā)展趨勢,著重從雙邊市場特性入手對第三方支付產(chǎn)業(yè)的形成進行了論述。最后以時下流行的微信支付作為案例,先分析了它的時效性,然后以其社交屬性闡述了其空間連接性，并對其存在的問題給出了一些建議。
[Abstract]:The extensive use of electronic commerce has greatly facilitated people's lives. As a key link in electronic commerce transaction, payment promotes the development of electronic commerce itself even more. According to the electronic commerce payment mode rising on the Internet, it creates a new payment path at the same time. It is also quietly changing people's living habits. The article starts from the two aspects of transaction technology and credit, and first expounds the origin and development of payment, which is divided into the influence of money before and after the emergence of money on payment. Then it discusses the advantages and disadvantages of different payment methods, such as delivery payment, online banking payment, third party payment, mobile payment and so on. It highlights the extension of third-party payment in the fields of catering, business, travel and so on, as well as the credit. After analyzing the relationship between payment and transaction from a logical point of view, it points out that the relationship between payment and transaction evolves from the initial inseparability to the separation of the two. And the new payment method begins to break the original time and space limit, at the same time, it uses the space time compression, the presence availability, the time cost curve to explain the time and space characteristic and the evolution process of the payment method. Then it is pointed out that the essence of the rise of electronic commerce payment is the establishment of credit. By discussing the innovation of payment form to promote the evolution of credit form, the result of expanding credit scale is obtained. The development trend of credit is pointed out, and the formation of third-party payment industry is discussed based on the characteristics of bilateral market. Finally, WeChat Pay, which is popular nowadays, is taken as a case to analyze its timeliness. Then its spatial connectivity is explained by its social properties, and some suggestions are given for its existing problems.
【學位授予單位】：北京交通大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F724.6;F832.2

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本文編號：1661780