As we all know, online payment is an important part of e-commerce. The development of financial services and innovative online payment services can reduce bank costs, speed up business processing, and facilitate customers. It also helps banks expand their business and increase their intermediary business income. More importantly, it changes the way bank payment is processed, allowing consumers to obtain banking services through the Internet at any place and at any time.

E-commerce actually completes mutual activities through enterprise information flow, logistics and capital flow. Information flow should be the core, logistics is the guarantee, and capital flow is the means of implementation. Online payment should effectively solve the problem of e-commerce capital flow, so it plays a catalyst role in the development of commerce, greatly promotes the development of e-commerce, and brings prosperity to e-commerce.

Although the development time of domestic online payment is not long, we all feel that the development speed is very fast. According to a series of Internet research reports, some figures in the report show that China's total e-commerce transactions reached 400 billion yuan in 2004 and are expected to grow to 620 billion yuan in 2005. In addition, the online payment volume of Chinese netizens was 230 million in 2003 and reached 680 million in 2004. , is expected to reach 1.57 billion in 2005, and online payment shows strong growth momentum.

At present, in our country, online payment is also developing very rapidly, the market demand is also very strong, the space for application innovation is very broad, and it is an industry with great potential. However, we must be clearly aware that there are still many problems in the basic environment of online payment, which deserve attention and improvement. The security of online payment, social nature, system conditions, and regulations related to online payment, etc., are all important factors that currently restrict the development of online payment.

I would like to share some personal insights on the security issues of online payment.

First, firmly establish the awareness of safety first and properly handle the relationship between safety and development speed. In the past ten years of development of e-commerce in China, it has always encountered a major bottleneck, which is the issue of online payment security. This bottleneck has seriously restricted the development of e-commerce in my country. According to surveys, a considerable number of customers want to shop conveniently online, but in After weighing the convenience and security of online shopping, I finally chose to give up. And a lot of facts show that online payment transactions are relatively small in areas with relatively small customer growth, such as B2C small-amount payments, etc. It is easier to promote in this field. This shows that people are still very comfortable with online payments, but at the same time they are also uneasy. Analyzing the reasons, I believe that firstly, the virtual transaction characteristics of online payment can easily make customers doubt the security; secondly, the traditional mindset of paying once and delivering goods hinders the development of new online payment methods. Therefore, when developing online payment, security should first be placed in an important position. Without security guarantee, it should be said that everything is impossible. Improving the security of online payments requires the joint efforts of financial institutions and merchants, as well as the cooperation of customers, to provide comprehensive and multi-level security protection in terms of technology, payment tools, risk measures, and preventive measures. means. At the same time, public opinion and government guidance are also needed to work hard to eliminate the worries of buyers and sellers. Only in this way can we promote the healthy and rapid development of online banking.

Agricultural Bank of China’s online banking started relatively late, but it is still developing relatively rapidly, showing great development potential. In terms of ensuring online security, we strive to do the following: firmly establish the awareness of safety first, Efforts should be made to resolve the relationship between security and development speed, sometimes sacrificing a certain speed to ensure safety in terms of safety and speed, and strive to create a socially safe online shopping environment.

2. Increase efforts in payment technology to further improve online payment security, move risk links forward, fully consider security in the early stages of product development, and never invest in products with security risks. Used, not put into the market.

3. Actively cooperate with print media to promote publicity, cultivate a good environment for online payment, correct people's uncertain and correct views on online payment, support online shopping through publicity and safety, and gradually reduce risks. move and take the initiative in risk control.

Second, establish a social integrity system as soon as possible to support the healthy development of e-commerce. The parties to online transactions and payments do not meet each other, and the authenticity of the transaction is not easy to inspect and verify. Whether the e-commerce activity is finally completed is very important. The extent depends on the integrity of participating buyers and sellers, pleasing financial institutions and third-party payment platforms. Our country's credit system is not sound enough and the market reception is not very perfect. It should be said that it is a very important factor restricting the development of e-commerce. We should call on all parties to work together to establish and improve the social credit system as soon as possible to support E-commerce develops healthily. Increase the punishment of dishonest people, expose dishonest people, companies and typical cases realistically, increase the opportunity cost of dishonesty, arouse people's supervision of social credibility, and create a good environment for online payment.

Creating a good environment for the development of e-commerce is crucial. Through the efforts of all walks of life, through the efforts of all aspects, I think we will be able to create a very good environment for the development of e-commerce in the future. Ensure the healthy development of e-commerce.

Of course, we should see that the establishment of a social integrity system should be a long-term and arduous process, which requires the joint efforts of the whole society and cannot be achieved overnight. At present, from the perspective of banks, the main methods to solve the problem of online payment integrity are: first, to strictly control the checkpoints and fundamentally solve the integrity problem of sales and supply itself; second, to conduct real-time monitoring of the transactions of merchants who have opened accounts, and to detect abnormalities. In the future, immediate action will be taken and necessary measures will be taken to prevent the occurrence of fraud and money collection. At the same time, you can also sign a deposit agreement with the merchant to control merchant fraud. Third, study and standardize the rules of the online payment market, and solve the problems of lagging online payment laws and weak business supervision. There is no rule without rules. The development of any industry standard is inseparable from the correct guidance and business supervision of supporting laws and regulations. With the electronic payment industry in recent years, With the development of commerce, some new transaction forms have emerged in the field of online payment, and new requirements and challenges have also been raised for the construction of laws and regulations and business supervision of online payment business. For example, under the circumstances that my country's current credit institutions are not very sound, credit guarantee third-party payment The emergence of the platform has effectively opened up e-commerce payment channels, brought unprecedented activity and prosperity to the domestic e-commerce market, and promoted the development of e-commerce in our country. But similarly, we have also seen that third-party payment platforms have gradually evolved into an intermediary link in capital flow, performing some of the functions of financial institutions. This also requires relevant laws and regulations and standardized operations to prevent some risk issues that may occur. Ensure that the development of payment e-commerce can develop on a healthy path.

On April 1 this year, the "Electronic Signature Law" was officially implemented and the "Electronic Authentication Service Management Measures" issued by the Ministry of Information Industry to cooperate with the implementation of the Electronic Signature Law, stipulating electronic payments, June 9 The "Electronic Payment Guidelines" issued by the People's Bank of China have designs from financial institutions to third-party payment platforms, and clarify the responsibilities with third-party payment platform providers, without raising the issue of third-party account permissions. The State Council's "Several Opinions on the Development of Online Payment for E-Commerce" actively studies relevant regulations on third-party research, guides commercial banks to build safe, fast and convenient online payment platforms through institutions such as UnionPay, and vigorously promotes the use of online payment tools such as bank cards and online banking. , Chongming said that the financial regulatory authorities attach great importance to the development of online e-commerce payments, and are studying and introducing some relevant systems and measures to strengthen supervision and promote the healthy development of online e-commerce.