本文選題：預付費卡　切入點：商業(yè)模式　出處：《西安科技大學》2013年碩士論文　論文類型：學位論文

【摘要】：我國第三方支付業(yè)務經(jīng)過10年的發(fā)展，年度交易規(guī)模已經(jīng)突破萬億元，成為中國金融支付體系中重要的組成部分。隨著《非金融機構(gòu)支付服務管理辦法》及其實施細則的出臺，多家企業(yè)及單位獲得《支付業(yè)務許可證》，這標志著中國的非金融機構(gòu)支付行業(yè)由原先的無據(jù)可循到如今的依法監(jiān)管，逐步走入規(guī)范化、規(guī)模化、專業(yè)化的發(fā)展進程。由陜西郵政獨資控股的“西郵寄電子商務有限責任公司”于2012年6月27日獲得央行頒發(fā)的支付牌照，與30余家大型商戶建立了合作關系，成為陜西區(qū)域第三方支付企業(yè)的重要組成部分。西郵寄在取得牌照的同時也存在系統(tǒng)老化、宣傳營銷推廣力度不夠、渠道發(fā)展緩慢、客戶體驗弱化、陜西省內(nèi)一線城市競爭優(yōu)勢不足等問題。 本文以陜西郵政西郵寄預付費卡為研究對象，首先梳理了國內(nèi)外第三方支付的相關理論和方法，作為本文的理論支持。其次，對西郵寄公司運營渠道進行了現(xiàn)場走訪和問卷調(diào)查，，并對企業(yè)進行了SWOT分析。最后在SWOT分析的基礎上設計了包括客戶細分、價值主張、渠道通路、收入來源、關鍵業(yè)務、重要合作、成本結(jié)構(gòu)九個構(gòu)造塊、一個商業(yè)模式畫布及相應實施建議在內(nèi)的完整的商業(yè)模式。 本文的研究對于如何解決西郵寄公司（第三方支付企業(yè)）在規(guī)范運營后進行商業(yè)模式的創(chuàng)新，并結(jié)合郵政企業(yè)的優(yōu)勢在支付和服務模式創(chuàng)新過程中探索新的商業(yè)模式，同時為其他支付企業(yè)提供參考和借鑒。
[Abstract]:After 10 years of development, China's third-party payment business has exceeded trillion yuan in annual transaction scale, which has become an important part of China's financial payment system. With the introduction of the "measures for the Management of payment Services of Non-Financial institutions" and its implementation rules, A number of enterprises and units have obtained the "payment Business license", which marks that the payment industry of non-financial institutions in China has gradually entered the standardization and scale of supervision and supervision by law from the original lack of evidence. Western Mail Electronic Commerce Co., Ltd., which is wholly owned by Shaanxi Post, obtained the payment license issued by the Central Bank in June 27th 2012 and established a cooperative relationship with more than 30 large merchants. It has become an important part of the third party payment enterprises in Shaanxi region. While the western mail has obtained the license, it also has the system aging, the propaganda marketing promotion dynamics is not enough, the channel development is slow, the customer experience is weakened, Shaanxi province inside the first-line city competition advantage insufficient and so on question. This paper takes Shaanxi Post Western prepaid card as the research object, firstly combing the related theories and methods of the third party payment at home and abroad, as the theoretical support of this paper. Field visit and questionnaire survey on the operating channel of the West Mail Company, and SWOT analysis of the enterprise. Finally, based on the SWOT analysis, the author designs a design including customer segmentation, value proposition, channel access, revenue source, key business, etc. Key collaborations, cost structure, nine building blocks, a business model canvas and corresponding implementation recommendations for a complete business model. This paper studies how to solve the problem of how to solve the business model innovation of West Mail Company (third-party payment company) after regulating its operation, and explore new business model in the process of payment and service model innovation by combining the advantages of postal enterprises. At the same time for other payment enterprises to provide reference and reference.
【學位授予單位】：西安科技大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F618

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本文編號：1631867