A Research On The Program Of The Third-party Payment For The Commodity Transaction Of Coal

Recent years, with the popularity of internet application and the development ofinformation technology, e-commerce market in China has been steadily expanding and it isincreasingly salient that e-commerce plays a supportive role in the development andadjustment of China·s overall economy. As a result, e-commerce undergoes a rapiddevelopment. In this case, there was born the third-party payment service so as to solve theproblem of credit safety in online trading. Acting as a brand new role in e-commerce tradingand the credit intermediation, the third-party payment has been a focus. For it not onlyprovides a payment intermediation for trading parters to achieve a fair trade but also decreasesthe transaction costs and reduces the risk so that promoting the development of China·seconomy.At present, the number of the third party e-payment trade in China has amounted to5,300billion, but the third-party payment agency focuses on the business of individualconsumers. As for the business of the large enterprises, bulk commodities and their logisticsservices, the e-payment is still at a phase of research and development. Based on the study ofthe e-commerce development in China, this paper summarizes the practical experience of theonline trading development of such bulk commodity as coal; it also presents a comprehensiveanalysis of the necessity and feasibility of the third payment in this field from the point oftheory and practice, especially emphasizing on the analysis of Shannxi enterprises as thetypical case entering the third part payment market.E-commerce, which represented the new productivity, is the future direction for anenterprise. Its supporting role that plays on the states economic development and adjustmentis becoming obvious.At the time the traditional enterprises are expanding to e-commerce, thetransformation development of e-commerce in mining industry is extremelyurgent.Complying with the market reform direction, Shaanxi Coal and Chemical Industry hasestablished a coal trading center and has made the traditional model of coal trading transform into an informationized, networked and modern screen trading pattern gradually. However,due to the lack of feasible operational program of third party payment in bulk commoditytransaction like coal, this newly modernized pattern of e-commerce has not been carried outeffectively. In consequence, it has an important practical significance to research and designits third payment precept.On the basis of summarizing the correlational research status around the world, thispaper discussed the correlation theory of e-commerce and the third party payment, which hasestablished a theoretical foundation for the research and design of the third party paymentoperational program in coal trading. Considering the policy environment, coal resources andenvironment, status of industry, risk and economic benefit and so on, this paper also analyzedthe necessity and feasibility of developing the third party payment in the trading center ofShaanxi Coal and Chemical Industry. Besides, on the basis of the general thought and targetof the trading center in the trading center, this paper conducted a systematic and feasibleresearch design mainly from four factors: business, technology, marketing promotion andorganizational management. In the research design, the study of business involves theestablishment of payment process, financing service process and information servicearchitecture; the study of technology involves the requirements of the third party paymentplatform architecture, risk prevention in system security, system configuration andperformance objective; On the marketing it has established a proper expanding strategy onpromotion, market localization and specific tactic; On the organizational management it hasdesigned the organizational structure, department responsibility. In the end, the paper putsforward the safeguard measures that the third party payment of mining trading needs to getpolicy support; intensify the supervision; standardize the construction; enhance inner controlsystem construction of the company; strengthen the risk-prevention institution; establish thecore competitiveness of the company; reinforce the system construction of payment; improvethe abilities of the employees, etc. The research result of this article is greatly valuablefor Shaanxi Coal and Chemical Industry to establish a newly modernized e-commerce patternand to carry out third party payment of coal trading. In the meantime, it is also helpful for thetransformation development of the e-commerce in industry like mining.