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1

2

3 BtoB BtoC CtoC

4 e-japan BtoC EC BtoC BtoB EC BtoB CtoC EC CtoC 15 7 e-japan II - 1 -

5 BtoB EC BtoB BtoCCtoC EC e-japan BtoB e- -MP BtoC CtoC BtoB BtoC CtoC ECOM CtoC e-mp - 2 -

6 e-mp BtoBBtoCCtoC EC - 3 -

7

8 10 CtoC UFJ BtoB BtoC CtoC

9 CtoC BtoB

10 - 7 -

11 - 8 -

12 ECOM EC/IT Federal Housing AdministrationFHA BtoCCtoC BtoB BtoCCtoC National Consumer League % 1 30% 19% Haizheng Li Han Zhang 37 Hawaii International Conference on System Sciences Haizheng Li & Han Zhang, How People Select Their Payment Methods in Online Auctions?; An Exploration of ebay Transactions, avairable from - 9 -

13 ebay c.pdf ebay Auto Trader Internet Fraud Complaint Center ,200 4,500 46% 31% 3 Federal Trade Commission Samuel P. Nitze, Internet Auction Scams Costly for Gullible Bidders, Miami Herald September 7, 2003; William Sherman, Cyberthieves Win Big in Online Auctions, Knight Ridder/Tribune News July 1,

14 BtoB Escrow.com 1999 BtoB e-mp ,500 e-mp ebay CtoC Escrow.com Escrow.com 240 ebay Escrow.com Escrow.com Step 1: Step 2: Step 3: Step 4: Step 5: Escrow.com Escrow.com Escrow.com

15 Escrow.com

16 BtoC 5, BtoBBtoC CtoC 10 2 BtoB 00.2 BtoC CtoC BtoC 500 BtoC 30 BtoC BtoB BtoC 25,000 11, %9,628 (6.4% 702 ) (1.1%121 ), 0.7%80 )

17 (PG: Payment Gateway) BtoBBtoCCtoC EC (30 BtoB ) KCP PG 2001 BtoB BtoB CtoC BtoB BtoB (VAN) ( ) KSNET( )KCP( ) ( ) DACOM

18 EC Positive Negative 2 Positive Negative BtoC Escrow.com

19 4 1 3 CtoC BtoB CtoC BtoC BtoB CtoC BtoC BtoB CtoC BtoC BtoBBtoCCtoC

20 escrow 5 6 e-japan escrow 5 New College English-Japanese Dictionary, 6th edition (C) Kenkyusha Ltd. 1967,1994,

21 IT IT IT IT

22 - 19 -

23 BtoBBtoCCtoC BtoB e-mp BtoC CtoC

24 *1 *1

25 BtoBBtoC CtoC BtoB e-mp BtoB e-mp e-mp 281 BtoB BtoB e-fantasista.net/market/market.html MRI

26 281 e-mp ) % MRI

27 e-mp e-mp e-mp e-mp e-mp e-mp e-mp e-mp e-mp

28 BtoC BtoC BtoC BtoC BtoC BtoC BtoC BtoC BtoC BtoB BtoB

29 5,000 BtoC CtoC BtoBBtoC

30 CtoC CtoC CtoC

31 BtoB BtoC CtoC

32 BtoBBtoC CtoC 16 CtoC

33 BtoC B C BtoB e-mp

34 CtoC BtoB BtoC CtoC

35 4 1 7 Win-Win

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