Abstract:

Due to the development of short time, lack supervision of government,  the whole industry was in an out-of-order development stage. The history and actuality of the network payment ware reviewed, several major operating model of network payment  and operating modes were discussed.At last, for promoting the whole network payment industry to develop healthily and rapidly, several supervision proposals were offered.  First use of “social welfare”:a concept of the economics,  the advantages and social benefits of e-commerce and the network payment were evaluated,  the development trends of the network payment in future were pointed out.

Key words: electronic commerce, network payment, social welfare, operating mode, risk, supervision