电子商务支付方式的时空经济研究

发布时间：2018-03-25 05:33

本文选题：电子商务　切入点：第三方支付　出处：《北京交通大学》2017年硕士论文

【摘要】：电子商务的广泛运用大大方便了人们的生活,而支付作为电子商务交易中关键的环节更加推动了电子商务本身的发展。依据互联网兴起的电子商务支付方式在不断创造出新的支付路径的同时,也在悄悄的改变着人们的生活习惯。文章从交易技术和信用两个方面出发,首先阐述了支付的由来及发展,分为货币出现前后对于支付产生的影响,而后论述了电子商务中货到付款、网上银行支付、第三方支付、移动支付等不同支付方式的优缺点,突出了第三方支付在餐饮、商超、出行等领域中的延伸,以及在信用、法律政策方面的不足。之后从逻辑角度分析了支付与交易的关系,指出支付与交易的关系从最初的不可分逐渐演化到两者的分离,而新型的支付方式则开始打破原有的时空界限,同时运用时空压缩、在场可得性、时间成本曲线说明支付方式的时空特性及其演变进程,接下来以信息不对称为切入点指明电子商务支付兴起的本质是信用的建立,通过论述支付形式的创新推动信用形式的演进,得出信用尺度不断扩大的结果,并指明信用的发展趋势,着重从双边市场特性入手对第三方支付产业的形成进行了论述。最后以时下流行的微信支付作为案例,先分析了它的时效性,然后以其社交属性阐述了其空间连接性，并对其存在的问题给出了一些建议。
[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.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.2

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