【正文】 .....V第一章 緒 論.............................................................................................................................1 概述 .................................................................................................................................1 概念定義..................................................................................................................1 研究背景..................................................................................................................4 本課題研究的意義 .........................................................................................................5 本課題研究的主要工作及創(chuàng)新之處 .............................................................................6 本章小結(jié) .........................................................................................................................6第二章 國內(nèi)外電子支付發(fā)展現(xiàn)狀...........................................................................................7 電子支付系統(tǒng)分類 .........................................................................................................7...........................................................................................................7（亦稱批量電子支付系統(tǒng)）...................................................7...................................................................................................7...................................................................................................................7 電子貨幣的種類及應(yīng)用 .................................................................................................8 電子銀行卡..............................................................................................................8 電子現(xiàn)金..................................................................................................................9 電子錢包................................................................................................................10 電子支票................................................................................................................11 移動(dòng)支付................................................................................................................11 電子支付的基本模式 ....................................................................................................12 電子支付的發(fā)展階段 ...................................................................................................13 國內(nèi)外電子支付的發(fā)展現(xiàn)狀 ........................................................................................13 國內(nèi)外電子商務(wù)的發(fā)展現(xiàn)狀分析........................................................................13 國內(nèi)外電子支付應(yīng)用歷史及現(xiàn)狀分析................................................................16 目前電子支付存在的主要問題 ...................................................................................18 安全問題................................................................................................................19 觀念認(rèn)識(shí)問題........................................................................................................22 信用問題................................................................................................................22.............................................................................................................22目錄V 法律問題................................................................................................................23 本章小結(jié) .......................................................................................................................23第三章 目前電子支付應(yīng)用中的法律問題研究.....................................................................24 電子資金劃撥法律關(guān)系研究 ........................................................................................24.................................................................................................24.................................................................................24.................................................................................25 電子貨幣的法律問題研究 ............................................................................................27.....................................................................................27.....................................................................................28.........................................................................................28.........................................................................................29.............................................................................................29.............................................................................................29 電子支付中存在的法律問題研究 ...............................................................................29.............................................................................................29.............................................................................法律責(zé)任不清問題.........................................................30 電子支付的監(jiān)管問題............................................................................................30 對(duì)電子支付違法活動(dòng)的防止與懲治 .......................................................................30.....................................................................................30.........................................................................31.................................................................................31 電子支付平臺(tái)的法律地位問題 ...................................................................................31 本章小結(jié) .......................................................................................................................32第四章 解決電子支付應(yīng)用中法律問題的思路及對(duì)策.........................................................33 政府牽頭、統(tǒng)一規(guī)劃 ....................................................................................................33 銀行同業(yè)要盡快統(tǒng)一電子支付體系與規(guī)范 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