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e-payment

信息社会中重要的金融服务升级之一是电子支付的发展，在该升级过程中，除了商业银行（之外，其他机构）都逐渐把其（将电子支付）视为业务创新和增长的核心点，电子支付平台更是吸引第三方支付机构的投资。经历了数十年的发展与变革，第三方支付显然已经在我国的支付服务市场取得了重要的地位。

第三方支付一方面改变了我国传统的生产模式，另一方面还撼动了古板的支付模式。第三方支付在我国的发展面临着机遇也需要接受(和)挑战。我们需要不断创新，学习发达国家的先进发展模式，结合我国第三方支付的发展的实际情况，从而引导第三方支付在我国更好的发展。

本文主要介绍第三方支付的在我国的发展历程与现状，分析其存在的优势，进而剖析发展过程中存在的问题，通过借鉴国外的发展模式，不断拓展我国第三方支付的发展空间。

关键词: 第三方支付; 发展历程与现状; 未来发展趋势

The development of E-payment is one of the important upgrades of financial services in information society. In this upgrade process, E-payment has been treated as core point of business innovation and growth for many organizations, except commercial banks ,and attracting more investments from third-party payment agencies.

With the development and change over the past decades , third-party payment has become an important part on payment service market in china, obviously .on the one hand, payment of this kind changed the traditional model of production of china. on the other hand, it also shook the old model of payment. The current situation of third-party payment in china is facing both opportunities and challenges. We need making unceasing innovation, learning advanced development model from developed countries, Considering the practical situation,to lead third-party payment to a better future.

This article mainly introduces the development course and status of third-party payment in china，analysis advantages and disadvantages in developing process of third-party payment and utilize successful models of development from overseas, In order to seek a greater development space.

Keyword: third-party payment; development space