Payment Technology And Contract Culture Construction

In recent years, with the fast development of electronic payment industry in our country, the financial behavior under the electronic payment pattern has the higher request to the economic and social environment, especially to the construction of the social credit culture. Breaking through the previous analyses of the contract and the risk at the angle of "Technology-Science", this article investigated the construction of payment technology and contract culture, in the view of social culture and beyond the " Science and Economy".Based on the contract theory and the risk management theory of electronic payment, this article analyzed the contractual relations under the characteristics of bilateral and multilateral market in the filed of electronic payment, takes the security mechanism of credit card payment for example, and makes analysis, research and comparison on it. Therefore, it provides an important reference value to the risk management and control of electronic payment in financial fields, and to the construction of macro-economic and social cultural.This article discussed the historical significance, social significance and theoretical significance of contract culture research in the science of technology and culture, emphasized the development and current situation of relevant research in home and aboard. It analyzed the contractual relations involved in the payment technology, elaborates the main characteristics of traditional payment, structures of electronic payment technology and credit link of contractual relations, and analyzed accordingly the contractual relations in the electronic payment. It particularly mentioned the payment risk caused by the lack of contract. Based on Chinese traditional culture, including the traditional credit culture and lack of contract, it analyzed the risk problem encountered due to lack of contract in the time of electronic payment. It summed up and analyzed in particular three kinds of risks in terms of payment technology: non-scene risk, magnifying effect risk and privacy risk. It raised that the relevant risks must be sufficiently considered in the work of payment technology, and the payment technology should develop correspondingly with the capability of organization's risk management; commercial banks should fully recognize the complexity of lack of contract in Chinese culture, and improve the harmonious development of risk management and payment technology. It researched the relations between the payment technology progress and the construction of social contract culture. It analyzed the payment technology progress' influence to the social contract culture, discussed the relations between the electronic payment technology and contract culture that are constructing each other, and leaded the way of constructing social credit culture in the era of electronic payment.