所谓“电子商务”,是指通过计算机和网络来完成商品或产品的交易、结算等一系列商业活动的一种方式。其特征是人们把正在从事的业务“搬到”网上,利用网络提供的电子邮件和信息服务,构建或拓展业务,通过虚拟银行、智能信用卡和其他新型信息系统实现电子支付。这一概念起始于199 The so-called “e-commerce” refers to a way of completing a series of commercial activities such as trading or settlement of goods or products through a computer and a network. It is characterized by people “moving” to the web they are engaged in, using e-mail and information services provided by the network, building or expanding their businesses, and making electronic payments via virtual banks, smart credit cards and other new information systems. This concept starts at 199