我國發展電子商務之現況與未來趨勢－－以第三方支付為例

The current situation and trends of the E-commerce business development-A study on internet traders using the third-party

發展電子商務，台灣擁有健全的網路基礎建設優勢，而金流、物流的基礎建設亦為發展成功與否的重要關鍵。政府因應電子商務發展需求，歷經多次的跨部會研議，第三方支付服務業政策配套近期已有相當進展，包括2012年2月「信用卡業務機構管理辦法」修正通過、2013年3月鬆綁第三方支付服務的信用卡支付限制、9月開放銀行與第三方支付服務業者合作提供儲值服務，並已著手規劃研擬第三方支付管理專法與機制，以健全電子商務法制基礎環境。本研究將以第三方支付產業為例，探討其發展現況與國際趨勢，並分析產業面臨機會及挑戰。

For E-commerce development, Taiwan has an advantage of robust network infrastructure. However other elements such as infrastructure development of cash flowing, logistics are also essential to success. Response to the needs of e-commerce development, the third-party payment services policy has achieved further progress after Taiwan government holding several inter-ministerial deliberations. The recent progress including the 'Credit Card Business Organization Management Regulations' amendment has passed in February 2012, the third-party payment services credit card payment restrictions deregulated in March 2013, the collaboration between banks and third-party payment service in prepaid services liberalized from this September. Related ministries have also begun planning management professionals to develop third-party payment method and mechanism for improving the legal basis for e-commerce environment. This study will discuss the third party payment on the status of its development with the international trends and analyze the development of opportunities and challenges.