基于数字货币的电子商务支付手段可行性研究  

Feasibility Study of E-commerce Payment Means Based on Digital Currency

作　　者：周宇 严佩 ZHOU Yu;YAN Pei(Xi'an Traffic Engineering Institute,Xi'an 710300,China)

机构地区：[1]西安交通工程学院,陕西西安710300

出　　处：《西安交通工程学院学术研究》2024年第3期39-43,共5页Academic Research of Xi'an Traffic Engineering Institute

摘　　要：随着互联网技术的发展,电子商务已成为经济的重要领域之一。电子商务支付的安全性和可靠性对发展至关重要。近年来,人们开始探索数字货币作为电子商务支付的可能性,但数字货币的波动性和不确定性带来一定风险。本文以数字货币为研究背景,主要关注数字货币在电子商务领域的流通。首先对数字货币与电子商务支付的异同进行分析。其次以比特币为例分析数字货币在电子商务支付手段中存在的风险,以数字人民币为例分析国内数字人民币的发展现状以及数字人民币对各行业的影响。最后提出数字人民币在国内发展的优化建议。With the development of Internet technology,e-commerce has become one of the important fields of economy.The security and reliability of e-commerce payments are crucial for development.In recent years,people have begun to explore the possibility of digital currency as an e-commerce payment,but the volatility and uncertainty of digital currency bring certain risks.This article takes digital currency as the research background,mainly focusing on the circulation of digital currency in the field of e-commerce.Firstly,analyze the similarities and differences between digital currency and e-commerce payments.Secondly,taking Bitcoin as an example to analyze the risks of digital currency in e-commerce payment methods,and taking digital RMB as an example to analyze the current development status of digital RMB in China and its impact on various industries.Finally,optimization suggestions for the development of digital RMB in China are proposed..

关 键 词：电子商务支付 数字货币 数字人民币 比特币 

分 类 号：F832.5[经济管理—金融学] F822