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我国电子商务发展迅速,无论是在规模还是在形式上都得到了很大的提升,对于广大消费者来说,带来了实实在在的实惠,也推动了消费和社会经济的发展。但是由于网络本身具有虚拟性等原因,电子商务的市场中存在着信息不对称的问题,导致一些商品在交易过程中形成了“柠檬市场”效应。这些现象的主要原因是由于货款无法同时交割,交易安全无法得到有效保障。因此,解决电子商务中支付安全的问题可以通过第三方支付的方式。本文通过建立博弈模型来对几种情况下电子商务会出现的发展情况进行分析,最终得出了结论:第三方支付方式是解决电子商务支付安全问题的有效方式,更好地推动了电子商务的发展。
The rapid development of e-commerce in our country has been greatly improved both in scale and in form. It has brought tangible benefits to consumers and promoted the development of consumption and social economy. However, due to the virtual nature of the network itself, there is a problem of information asymmetry in the e-commerce market, resulting in the formation of a “lemon market ” effect in some transactions. The main reason for these phenomena is that the security of the transaction can not be effectively guaranteed because payment can not be delivered at the same time. Therefore, the solution to the problem of payment security in e-commerce can be through third-party payment. This article analyzes the development of e-commerce in several situations through the establishment of a game model, and finally concludes that the third-party payment is an effective way to solve the problem of e-commerce payment security and promotes the e-commerce development of.