一、引言二十一世纪是信息化的时代,第三产业在各国的比重不断上升,特别是服务业,信息服务业已成为这个世纪的主导产业,电子商务作为最具发展前景的新行业,随着应用的不断深入、新业务模式的不断涌现、业务需求的不断挖掘,电子商务市场向着更深层次、更广阔领域延伸。相比于传统的单方面的线下交易方式而言,电子商务实现了买卖双方的网上交易和在线支付,为交易、金融等各类商务活动提供便捷的信息化服务手段,将生产企业、流通企业 I. INTRODUCTION The 21st century is an era of informationization. The proportion of the tertiary industry in various countries is on the rise. In particular, the service industry and the information service industry have become the leading industries in this century. As the most promising new industry, e-commerce The deepening of the application, the continuous emergence of new business models, the continuous excavation of business needs, the e-commerce market to a deeper level, more extensive areas of extension. Compared with traditional unilateral offline transactions, e-commerce realizes both online transaction and online payment by buyers and sellers, and provides convenient information service means for various business activities such as trading and finance, enterprise