Research Of Alibay Capital Payment Based On Inland The 3～(rd) Online Payment Platform

This article mainly debates in several problems of Alipay capital payment in the 3^rd party inland online payment platform under E-commerce environment. Through analysis of Alipay capital payment inner & external relationships between environment & competition, and of its capital payment characters, advantage and weakness, it discloses and summarizes answers for above problems. Here it also put forward feasible advice.Entry in 21^st Century, Chinese internet industry develops unstoppably, E-commerce has formed newest model of commodity transactions. Four links of E-commerce operation model and business process are keys to promote E-commerce development, that is information flow, commercial distribution, capital flow and logistics. As online payment, the key link of capital flow is the most concerned question of two parties during E-commerce procedure. Thus, inland innovative and daring enterprise or people of insight start to concern this field closely, and from former try cautiously to hot competition.According to the "Statistics Report of CNNI Development Status", CNNIC declared in Beijing in Jan, 2007 and data of "Chinese Online Payment Research Report in 2006", published lately from Research iresearch Market Consultation, we can analyze that, up to 31^stDec,2006, Chinese Net users sum up to around 0．137 billion, which increased 23．4% than the same period last year, Online Shopping users reach 32．33million, which gone up 19．7% than last year, Online Payment proportion rose from 61．5% last year to 66% this year, and the 3rd party online payment platform transactions volume accounts for 35．2% of total scale, and is estimated to 36% in 2007．Users regard more problem of online transaction is commodity quality, seller reputation and payment security. Thus Alipay occurred just to meet for requirements of reputation and security from online seller and buyer.Act as the advanced in inland 3^rd party online payment, development of Alipay was focused by every parties from the very start. It is not only because innovative undertaking story of Ma Yun, Alibaba starter and board chairman, but its also outstanding achievement that occupies nearly half of inland 3^rd party online payment, the more important is various questions and risks from society, policy and law. Main problem of Alipay is questions of weak and loss in capital payment policy, ,money laundering and profit share of capital precipitation, cash in, benefit, freeze, misappropriation and bank custodian etc.This article analyzes Alipay capital payment simply from business commodity, market requirements, profit prospect, competition advantage, security to competitive & cooperative relationships of bank etc. and emphasis on discussing in the problems and solutions of its policy supervision, license, cash in and money laundering risks, ownership, benefit, freeze, misappropriation and bank custodian.Finally, here I put forward my own views and advice. Author regards that Alipay would acquire electronic payment license firstly and settle vast capital in the process of payment, thus, Alipay avoid of payment policy law risks through settle capital by big bank, but its operation model weakness would be convenience platform for money laundering. This text advises that Alipay can increase user cost gradually during its capital payment process, and decrease illegal misappropriation by integrating logistics and payment platform. Then avoid payment policy and law risk by self identify and modify, promote and develop by service and innovation, coordinate to develop by government, bank and enterprise together participation in universal education.