随着经济全球化的发展,世界经济的外延和内涵都得到了前所未有的拓展,网络经济正以迅雷不及掩耳之势席卷世界经济的各个层面,电子商务以其特有的优势,给现代经济生活和人们的观念带来深刻变革。但是,由于电子商务具有虚拟化、数字化、匿名化、无国界和支付方式电子化等特点,对 With the development of economic globalization, the extension and connotation of the world economy have been expanded as never before. The cyber economy is sweeping across all levels of the world economy in a thunderstorm. With its unique advantages, e-commerce gives modern economic life And people’s ideas bring profound change. However, due to the characteristics of virtualization, digitization, anonymization, borderlessness and the electronic payment of e-commerce,