摘要：互联网的发展引致了一个新的市场的出现,这个市场就是基于网络空间的虚拟市场。同时网络技术的发展促进了电子商务的开拓，人们足不出户就可以轻松买到自己需要的商品。这样一来，我们就发现传统交易相配套的制度货币显然无法适应这种灵活的交易要求，各种虚拟货币的出现和大规模发展，刚好充分的弥补了电子商务流程中网络支付手段的欠缺。因此,虚拟货币成为了网络时代人们关注的焦点问题。47642

因此本文从关注电子商务发展的角度出发，从多方面了解虚拟货币的发展历程，研究出现虚拟货币到支付模式创新这二者间的关系，虚拟货币对电子商务环境中的换物交易有何影响，以及虚拟货币是否可称为一种营销型支付手段等问题。同时，本文以淘金币为具体个案分析，旨在研究虚拟货币这种新型的支付工具在电子商务支付过程中所扮演的角色和其发挥的作用，以及其作为一种支付手段，在促进电子商务发展和方便人们生活的同时潜藏的问题与风险，并试图针对这些问题提出解决方案并加以规避，最后深入研究探讨电子商务与虚拟货币支付这二者将来的关系将有何发展趋势。

Abstract：The development of the Internet caused the emergence of a new market which is a network-based virtual market space. At the mean time, the development of network technology have promoted e-commerce development as well, people just stay at home and they can easily buy the goods they want. Then we have found that the traditional monetary transaction system is apparently unable to adapt to current flexible trading requirements. The emergence of various virtual currency and its large-scale development are just enough to make up for the lack of e-commerce processes in network payment. Therefore, the virtual currency has become the focus of attention of the Internet era.

From the perspective of the development of e-commerce, this paper introduces many aspects of the development process of virtual currency, and the relationship between virtual currency and payment innovation. Meanwhile, this paper studies the impact of the two sides in the virtual currency trading e-commerce environment and whether the virtual currency can be called a marketing-based means of payment, and etc. Further more, this paper takes Tao coin for specific cases to study its role and function in e-commerce payment process as it is a new type of virtual currency payment instruments. From this case, we can learn that there are hidden problems and risks while virtual currency promote the e-commerce development and facilitate people's lives. Finally, it comes to the proposed solutions about how to solve these problems and take precautions. After a in-depth study to explore e-commerce and virtual money, it’s able to forecast how the future trends of their relationship will be.

毕业论文关键词：虚拟货币，电子商务，支付手段

Keywords:  virtual currency,  e-commerce,  payment 

目录

1 引言 4

1.1 研究背景与意义 4

1.2 研究内容 4

1.3 本文的创新点 5

2 虚拟货币发展现状 5

2.1 虚拟货币的概念分析及其在换物网站的应用现状 5

2.2 虚拟货币对网络消费行为的影响 7

2.3 数字现金与虚拟货币二者的对比 8

3 虚拟货币与电子商务 10

3.1 虚拟货币的特点与作用 10

3.2 虚拟货币在新一代电子商务中发挥的作用