The invention relates to a method for building a safe, faire and instant
electronic trading system based on
bank credit. A bargainor participated in a trade builds an
electronic trading comprehensive
service system which can be linked and operated on various public networks and at least includes a commodity or / service display platform or / module, a trading consultation signing platform or / module, a commodity or / service delivery platform or / module, a paying
bank linking platform or / module and an
authentication party linking platform or / module; an instant
electronic trading system is composed of the trading comprehensive
service system and at least a paying
bank public
service system or / platform, a receiving bank public service
system or / platform, an
authentication party public service system or / platform and a purchaser electronic trading tool. At least a purchaser, the bargainor, a paying bank, a receiving bank and an
authentication party are participated in the trading activity of the safe, faire and instant electronic trading system based on bank credit. The safe, faire and instant electric trading system based on bank credit of the invention has the advantages of ensuring the facticity, the integrality, the safety and the non-repudiation of the trading information and transmission by adopting a digital
certificate and the digital signing technology based on RSA; ensuring the justification and the instantaneity of the trade by adopting the method of double auditing of purchase and sale,
payment promising delivery and actual reception
payment; ensuring and enhancing the non-repudiation, the justification, the convenience and the instantaneity of the trade by implementing the mechanisms of online
certificate applying and instant approval as well as whole course online authentication of the trade; and improving the universal applicability of the electronic trade by adopting a plurality of paying tools to carry out trade
payment.