Analysis of Low Penetration Rate of Electronic Payment in European and American CountriesAbstractIn a 1996 report, the development of electronic currency on the impact of the central bank, the bank for international settlements for the first time explicitly put forward the definition of electronic money, electronic money is a variety of retail trade payment mechanism, electronic cash is stored value and prepaid products, is that consumers have, can be used at any time, recording the funds or the value of electronic equipment, electronic currency by consumers to buy in advance, balance in the process of consumption gradually reduce, electronic currency does not include the application of electronic means to provide traditional banking services, such as online banking and mobile banking, bank for international settlements (bis) gives the clear definition of electronic money, Also points out that the electronic payment currency is in innovation, the existing definition impossible to summarize all of its features, compared with the traditional payment, electronic currency issued by non-banks, usually not bundled with a specific bank account, known as the third party payment in China, for example alipay, tenpay and kara, and so on. This paper mainly discusses the reasons why the penetration rate of electronic payment, that is, the third-party payment, is not high in European and American countries, from where we can obtain the enlightenment of the overseas development of China's third-party payment.Keywords: Electronic payment, third party payment, payment systemI关于欧美国家电子支付普及率低的分析摘 要在 1996 年的报告，电子货币的发展对中央银行的影响中，国际清算银行首次明确的提出了电子货币的定义，电子货币是多种零售交易的支付机制，电子...
