(A) to create the necessary conditions for financial institutions to participate in e-commerce.
There are three kinds of payment and settlement of e-commerce transaction funds. One is that the enterprise handles the payment and settlement of transaction funds by itself; The other is that enterprises do not directly settle accounts, but settle companies through payment; The third is that banks provide payment and settlement services for enterprises. Although the history of payment and settlement business through banks is not long, it has developed rapidly and the number has increased year by year.
The extensive development of bank settlement mode shows that commercial banks have been deeply involved in e-commerce through online payment business, which has laid a solid foundation for China's e-commerce to provide services to consumers more safely and conveniently in the future. At present, online payment through online banking provided by banks has accounted for a large share of the total banking business, and has maintained a strong development trend.
With the continuous involvement of banks in e-commerce business, banks will integrate with e-commerce in more businesses in the future. Online payment is only the beginning of this integration, which provides the necessary channel for the further expansion of e-commerce development space.
(2) Cultivate and prosper the online payment industry and speed up the development of e-commerce.
The rapid development of e-commerce activities has led to the rapid expansion of online payment business demand, and also spawned the emergence and rapid growth of online payment industry. Statistics from the Ministry of Industry and Information Technology show that the scale of China's online payment market has reached a new high in recent years, and its huge market potential and broad market prospects have spawned a large number of third-party payment companies.
According to the information released by the industry and commerce department, at present, a considerable number of companies in China mainly focus on payment business, and a large number of enterprises cover third-party payment business. The cooperative relationship between third-party payment enterprises and banks determines the extent to which third-party payment services provide convenient and safe services to customers.
At present, the biggest obstacle to e-commerce online payment business has crossed the threshold of technical restrictions, but lies in how to form a benign business cycle system.
Online payment is the core of the virtuous circle system of e-commerce. Online payment connects many e-commerce enterprises, consumers, banks, third-party payment companies and network operators. Only when all objects develop harmoniously can we finally achieve a win-win situation in e-commerce.
(c) Improve and optimize the trust and business environment of e-commerce participants.
Payment security is an important guarantee for the smooth development of e-commerce. According to Taobao statistics, even if the commodity price is slightly higher, as long as the reputation is reliable, it can often attract more buyers.
This phenomenon shows that online consumers pay more attention to the business environment based on long letters. The practice of e-commerce proves that trust has become an important variable that determines the healthy development of e-commerce industry. Only by establishing enough trust can e-commerce survive healthily and grow rapidly.
For example, the transaction guarantee business developed by Alipay means that the buyer only needs to pay the goods online to the Alipay trading platform, and then the buyer will pay the goods to the merchant after receiving the goods and confirming that the goods are correct. This model has also been widely imitated by other third-party payment companies and developed into the basic model of the whole industry.
In addition, with the rapid rise of third-party payment platforms, online payment transactions have become the safest and most convenient channel for e-commerce transactions. The development of online payment service not only promotes the strengthening of trust environment of e-commerce, but also promotes the strengthening of trust environment of the whole network. Online payment has lifted the obstacles to the development of e-commerce and added new impetus to the rapid development of e-commerce.
Extended data
At present, electronic payment should play a greater role in accelerating the development of e-commerce at a new starting point, with the focus on security.
(a) improve the laws, regulations and rules related to electronic payment.
Compared with the ever-changing and developing e-commerce environment, the relevant policy documents issued by the state are still insufficient and need to be continuously improved. The relevant legal systems introduced into China are limited. Although the rights and obligations of banking institutions or third-party platforms have been confirmed accordingly, they still need to be further improved on this basis.
It is necessary to establish and improve the legal system suitable for the development of e-commerce in China, introduce corresponding policies and systems, safeguard the interests of both parties to the transaction, restrain their behavior, and ensure the security of information and funds of both parties to the transaction and the efficiency of the payment process.
(2) Innovating technology to further improve the security level of electronic payment.
While informatization brings convenience to people, its openness and interest inevitably pose a threat to personal information security. Therefore, we need to take corresponding protective measures. It is necessary to update our computer protection technology, firewall, monitoring system, etc. These technologies protect the security of our network terminals to a certain extent.
Encryption technology is mainly used to protect related information and data. It not only ensures the integrity of information, but also ensures that these confidential information will not be infringed by external factors. These security technologies should be constantly improved and changed with the innovation of electronic payment environment and payment methods to meet the needs of resisting risks in the process of electronic payment, thus ensuring the security of electronic payment process.
(3) Optimize the electronic payment environment and improve users' trust.
Only when a certain payment method is considered safe and reliable can it attract users to use it. Under the background that electronic payment relies on the Internet, ensuring the security of the payment environment is the premise for users to choose to use electronic payment, and the supervision and management of the payment environment must be done well.
In addition, improving the security of software and hardware facilities can better resist the invasion of foreign illegal factors, such as hackers and viruses. And it can also effectively prevent unstable factors caused by equipment failure or system defects and avoid sudden safety accidents during payment. In addition, we should carefully review market access, reduce market risks, and improve users' sense of security in electronic transactions to a greater extent.