中文摘要：随着互联网，信息技术和移动通信的日益成熟，以移动支付为代表的电子商务正在迅速发展。2016年第三方移动支付市场迅速扩张。随着各种创新支付手段的广泛使用，无现金时代崭露头角。各种数字支付工具在经济社会中广而用之。在国际舞台上，许多国家正加速进入无现金时代。而无现金时代在中国发展速度之快震惊世界。这种发展趋势主要是依赖于第三方移动支付市场的推动。然而，无现今社会有利亦有弊。本文在探讨其利弊的同时也将讨论面对这些挑战我们将如何应对。

关键词：无现金时代；第三方支付；交易

Contents

Acknowledgments

Abstract

中文摘要

1.Introduction.1

2.Literature Review.3

3.The Development of Cashless Society in China.4

4.The Benefits and Problems of A Cashless Society.6

4.1 Benefits of A Cashless Society 6

4.1.1 Providing A Convenient Way of Payment8

4.1.2 Reducing the Cash Related Crimes9

4.1.3 Saving the Social Resources9

4.1.4 Promoting the Social Harmony9

4.2 Problems of A Cashless Society10

4.2.1 Problem One:the Unemployment Issue10

4.2.2 Problem Two: Privacy Leak10

4.2.3 Problem Three: Financial Crime 10

4.2.4 Problem Four: the Digital Divide11

5.The Implication of Promoting A Cashless Society.11

5.1 Promoting Regional Coordinated Development12 

5.2 Government Taking An Important Role.12

5.3 Forming A Complete set of Laws and Regulations.12

5.4 Creating A Good Environment for Cashless Development.12

5.5 Enhancing All Parties’ Awareness .13

6.Conclusion.13

References14