电子支付工具基本问题探讨

在数字化的交易环境中,因网络之发达,使得网络上之商业行为具有很强的开放性,没有空间和时间的限制,而这些商业行为均须依赖一个可令人信任及有效率之付款方式来拓展.因此.国际社会已开始高度重视电子付款制度及其安全问题.本文拟通过电子支付工具定义、电子支付工具的发展、电子支付工具的类型及目前所面临的多重问题几个方面,探讨电子支付工具的相关问题.指出电子银行共享网络系统的建立,使电子支付已经不再局限于简单的银行与客户之间的关系,而表现为涉及到多重主体之间的复杂关系.构建电子支付工具体系,必须考虑多重主体之间关系的厘清、并重视网络信息技术的完善和网络安全的保障.

On basic questions of electronic money

In digitized environment,where has no restriction on time and space,developed internet brings a new level of openness to the commercial dealing.But all these commercial dealings should base on a mode of dependable and efficient payment.For this reason,international community has paid much attention on electronic payment and safety problem of it.This paper wants to discuss on some basic questions on electronic money,such as definition,progress,mode of electronic money,and multiplicate problems exist in electronic payment scopes.From the author's view of point,sharing system of online banking makes electronic payment is not just a kind of relationship between bank and clients.It is really a kind of complicated relations between much more legal subjects.To establish an electronic payment system,it is necessary for us to think about some important problems,such as clearing legal relations between deferent subjects,consummating network information technology,and ensuring safety of network,and so on.