【導讀】利用電子商務(wù)進行交易必然會涉及到信用與支付問題。易,其支付手段可以說是土洋結(jié)合。信用卡、借記卡、儲蓄卡、郵局匯款和貨到。在中國信用制度還很不完善的情況下,單靠銀行的力量也很難解決這一問題.而且,不良企業(yè)把不應(yīng)收的貨款劃走,等到消費者發(fā)現(xiàn)已為時過晚。便、安全的交易，使資金使用和貨物流向趨于合理。規(guī)模,而且違背了電子商務(wù)活動的初衷。物存在的一個非常嚴重的失信現(xiàn)象。①物流環(huán)節(jié)出了問題，導致賣方無法受到貨物;管部門協(xié)調(diào)并不密切，使得消費者投訴無門。易成本，從而對整個行業(yè)產(chǎn)生次品驅(qū)逐優(yōu)質(zhì)品的破壞作用。應(yīng)用互聯(lián)網(wǎng)發(fā)布相關(guān)信息，加快社會公眾的認知程度，以節(jié)省交易成本。也使賣方以次充好成為可能。由于這種信息不對稱發(fā)生在簽約前，所以被稱為“簽。在中國，郵政的工作態(tài)度與工作效率實在讓人不敢恭維。客戶保證什么，那么它的行為就屬于“隱藏行為”。務(wù)網(wǎng)站的“隱藏行為”。藏信息”就會被夸大，直接導致商務(wù)網(wǎng)站信用危機，

　　

【正文】 quality of goods there is a big problem China is still in the traditional planned economy to a market economy transition period, this transition is not just a change of economic system, it is a kind of cultural transformation. Supporting laws and the laws and regulations are not perfect, and the market economy. far from perfect. many panies do not speak the credibility of manufacture of fake and shoddy products, in order to reap huge profits. This enables consumers to make purchases, stores and goods do not trust many consumers go directly to the store to buy items, but also tend to Maidaojiahuo, resulting in a lot of disputes. emerce because of its virtual characteristics, the problem is more serious, although their homes, the click of a mouse, you can browse through the puter screen online store a variety of modities, and then reenter their home address and the number of data will was selected goods delivered to their doorsteps. However, due to the virtualization of the transaction process, consumers in advance you can not see the samples of modities and can not face to face transactions, the exposed has bee increasingly serious problem. Some call it online advertising everywhere, goods sent home to face non. According to media reports, the one who lives in Shanghai consumers browse Taobao page, from a website designed beautiful electronics store to buy an inkjet printer. 2 days after this eshops sent to packaging was very fine printer to send, receive the printer, Mr. unboxing to check to see models, that color is just what you selected earlier, it is pleased to pay the other party to give him a puter printout price single. The first few days, the printer is working properly, but two weeks after something has gone wrong, in addition to cardboard, the writing is uneven depth spray. Mr. accordance with the instructions on the number to call with this pany, but the defendant is empty number. He found the plaints from the Consumers 39。Association, the Consumers39。 Association said helpless because there is no formal invoice. China39。s industry is still in a more naive time, many still lack quite petitive, so the quality is uneven. Plus the lower part of the business39。s level of business ethics, causing market disorder, the trust degree of poor consumer goods. So many consumers prefer to take some time on the store to buy something, believe in Words are but wind, seeing is believing concept, a lack of confidence in online shopping. This factor has seriously hampered the launching of emerce. Lack of work technology Network Platform Security technical level is low. Emerce work platform whether there is sufficient technical capacity to ensure effective authentication of work transactions proceed smoothly, and the capacity to confirm the transaction subject is another issue of integrity that we can not be ignored. Some obstacles due to the exchange and sharing of information resources, and banking work in the smooth implementation of standardized docking and customer identification, so that to ensure confidentiality of the data to be challenged from time to time, resulting in the use of false ID card to open a bank savings account and credit card has occurred frequently malicious overdraft events repeated. Electronic trading is very convenient, but if the transfer of information on the Inter security is not enough, especially the prevention and control of emerce credit risk is relatively weak, and may result in personal data being stolen, abused, or credit card stolen with. Network fraud hard to detect, so consumers are skeptical of the Inter. At present, some wellknown emerce website does not use any encryption mechanism, transaction security risks remain. In addition, consumer privacy protection mechanism is not perfect, site master some consumer privacy information, emerce transactions with the virtual space of the characteristics of online fraud, counterfeiting relatively easy conditions, resulting in the interests of consumers and easier to damage, serious impact on the consumer electronics shopping confidence and enthusiasm. China has not generate enough attention to privacy protection, which may result in violations of consumer privacy phenomenon occurs, the loss of a large number of customer information and diffusion are threatening the development of emerce health. The security of electronic transactions is the biggest problem hindering development of electronic merce. Quite a few experts believe that emerce is the new direction of Inter technology, is built on the basis of technical work systems, which originated from the technology, problems in the development of electronic merce, only improvements in technology to solve the through the firewall, encryption technology, digital signatures, authentication and other technology, online information flow to ensure the confidentiality, integrity and nonrepudiation. However, so far, improvements in technology does not solve the security issues of emerce. February 1996, cosponsored by VISA and MASTER CARD two credit card international anizations to protect Scr secure electronic transactions on the Inter Protocol (Security Electronic Transation), although a better solution to the current emerce transaction security problem. In practice, however, proved that a purely technical means of prevention can not play a permanent restraining effect on a variety of malicious attacks and cybercrime. Only a twopronged approach of legal and technical in order to safeguard and protect the sound development of emerce.