本文選題：第三方支付 + 供應(yīng)鏈金融　； 參考：《復(fù)旦大學(xué)》2014年碩士論文

【摘要】：近年來,藉由互聯(lián)網(wǎng)經(jīng)濟(jì)如火如荼地發(fā)展,第三方支付行業(yè)在我國(guó)迅速成長(zhǎng),其市場(chǎng)規(guī)模日益擴(kuò)大,與人民群眾的生活聯(lián)系越發(fā)緊密,特別是2013年,由于一系列與金融行業(yè)的聯(lián)合創(chuàng)新,引起了金融市場(chǎng)、監(jiān)管機(jī)構(gòu)和傳統(tǒng)金融機(jī)構(gòu)的廣泛關(guān)注。這一行業(yè)傳統(tǒng)的支付清算功能兼具金融屬性和數(shù)據(jù)屬性,隨著行業(yè)內(nèi)同質(zhì)化競(jìng)爭(zhēng)的加劇和與傳統(tǒng)行業(yè)利益沖突表面化,許多第三方支付企業(yè)通過進(jìn)入細(xì)分領(lǐng)域提高自身競(jìng)爭(zhēng)力,擴(kuò)大市場(chǎng)份額,提高利潤(rùn)水平。其中,許多以企業(yè)客戶為主的第三方支付企業(yè)開展了以供應(yīng)鏈金融服務(wù)為代表的增值服務(wù)。與傳統(tǒng)金融機(jī)構(gòu)不同,第三方支付機(jī)構(gòu)開展此類業(yè)務(wù)依托企業(yè)的歷史交易數(shù)據(jù)對(duì)信貸風(fēng)險(xiǎn)進(jìn)行評(píng)估,以其銷售回款作為抵押,通過供應(yīng)鏈上下游具有一定實(shí)力的核心企業(yè)為貸款資產(chǎn)包增信,成功地為小微企業(yè)融資,特別是第三方支付機(jī)構(gòu)的既有客戶融資,開辟了新的渠道。前不久閉幕的兩會(huì)上,對(duì)于包括第三方支付在內(nèi)的互聯(lián)網(wǎng)金融持鼓勵(lì)態(tài)度,對(duì)其在國(guó)民經(jīng)濟(jì)中發(fā)揮的積極作用予以了充分肯定。行業(yè)監(jiān)管系統(tǒng)和行業(yè)自律體系都在不斷建設(shè),穩(wěn)步發(fā)展過程中,對(duì)行業(yè)環(huán)境穩(wěn)定和長(zhǎng)期健康發(fā)展具有重要積極作用。但是,作為具有金融功能的非金融機(jī)構(gòu),第三方支付企業(yè)的風(fēng)險(xiǎn)控制能力一向?yàn)槿速|(zhì)疑。目前沒有第三方支付機(jī)構(gòu)披露其信貸風(fēng)險(xiǎn)控制的具體操作方法,對(duì)于基于非結(jié)構(gòu)數(shù)據(jù)開展的新型貸款業(yè)務(wù),尚缺乏相應(yīng)的風(fēng)險(xiǎn)評(píng)估和風(fēng)險(xiǎn)定價(jià)定量研究。本文結(jié)合互聯(lián)網(wǎng)金融和供應(yīng)鏈融資模型成果,對(duì)其供應(yīng)鏈金融業(yè)務(wù)進(jìn)行建模分析。通過選取幾類特殊的需求分布進(jìn)行檢驗(yàn),驗(yàn)證了供應(yīng)鏈均衡解的存在,希望能夠?qū)σ院筢槍?duì)第三方支付行業(yè)的風(fēng)控研究有所裨益。本文首先介紹了第三方支付行業(yè)在中國(guó)的發(fā)展歷程和學(xué)術(shù)研究成果,說明了本文寫作的必要性和創(chuàng)新性；接下來在對(duì)第三方行業(yè)整體進(jìn)行PEST分析的基礎(chǔ)上介紹了第三方支付行業(yè)各類業(yè)務(wù)的業(yè)務(wù)形式、發(fā)展現(xiàn)狀和市場(chǎng)前景；隨后集中論述了第三方支付行業(yè)面臨的一些問題；然后對(duì)供應(yīng)鏈金融業(yè)務(wù)進(jìn)行建模分析,通過對(duì)幾類常見需求量分布的檢驗(yàn),驗(yàn)證了供應(yīng)鏈均衡解的存在,發(fā)現(xiàn)第三方支付機(jī)構(gòu)可以針對(duì)每一筆貸款設(shè)置使自己得到最大化利潤(rùn)的貸款利率。這一結(jié)論充分證明了第三方支付機(jī)構(gòu)客制化成本低的特點(diǎn),如果有完善的風(fēng)控模型指導(dǎo)實(shí)踐,可以實(shí)現(xiàn)風(fēng)險(xiǎn)的精細(xì)化管理。最后,本文對(duì)第三方支付行業(yè)在我國(guó)的發(fā)展前景作出樂觀預(yù)測(cè)。
[Abstract]:In recent years, with the rapid development of the Internet economy, the third-party payment industry has grown rapidly in our country, and its market scale is expanding day by day, and it is more and more closely connected with the life of the people, especially in 2013. As a result of a series of joint innovation with the financial industry, financial markets, regulators and traditional financial institutions have attracted wide attention. The traditional payment and clearing function of this industry has both financial and data attributes. With the intensification of homogeneous competition in the industry and the superficial conflict of interests with the traditional industry, many third-party payment enterprises improve their competitiveness by entering the subdivision field. Expand market share, raise profit level. Among them, many third-party payment enterprises, which are mainly enterprise customers, offer value-added services represented by supply chain financial services. Unlike traditional financial institutions, third-party payment agencies conduct such operations on the basis of the historical transaction data of the enterprise to assess credit risk and use its sales return as collateral. Through the supply chain upstream and downstream core enterprises with a certain strength to increase credit for loan assets, successful financing for small and micro enterprises, especially for the existing customers of third-party payment institutions, opened up a new channel. The two sessions, which closed shortly before the end of the session, encouraged Internet finance, including third-party payments, and fully affirmed its positive role in the national economy. The industry supervision system and the industry self-discipline system are being constructed continuously, and in the process of steady development, it plays an important and positive role in the industry environment stability and long-term healthy development. However, as a non-financial institution with financial function, the risk control ability of third-party payment enterprises has always been questioned. At present, there is no specific operation method of credit risk control disclosed by third-party payment organizations, and there is still no corresponding risk assessment and risk pricing quantitative research for new loan business based on unstructured data. Based on the results of Internet finance and supply chain financing models, this paper models and analyzes its supply chain finance business. By selecting several kinds of special demand distribution to verify the existence of supply chain equilibrium solution, it is hoped that it will be helpful to the future research on wind control in third-party payment industry. This paper first introduces the development of third-party payment industry in China and academic research results, and explains the necessity and innovation of this paper. Then, on the basis of the PEST analysis of the third party industry as a whole, the paper introduces the business forms, development status and market prospects of the third party payment industry, and then focuses on some problems faced by the third party payment industry. Then, the supply chain financial business is modeled and analyzed, and the existence of supply chain equilibrium solution is verified by testing the distribution of several kinds of common demand. Third-party payers are found to be able to set interest rates for each loan that maximizes their profits. This conclusion fully proves the characteristics of low cost of custom-making of third-party payment agencies. If there is a perfect wind control model to guide the practice, the risk management can be refined. Finally, this paper makes an optimistic forecast on the development prospect of the third-party payment industry in China.
【學(xué)位授予單位】：復(fù)旦大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F724.6;F832.2

【相似文獻(xiàn)】

相關(guān)期刊論文 前10條

1 金勇;宋偉;張靜怡;;我國(guó)發(fā)展第三方支付研究[J];科協(xié)論壇(下半月);2007年03期

2 彭媛;;我國(guó)第三方支付現(xiàn)狀及發(fā)展對(duì)策分析[J];科技廣場(chǎng);2007年06期

3 梁云;;第三方支付企業(yè)間的競(jìng)爭(zhēng)和發(fā)展分析[J];特區(qū)經(jīng)濟(jì);2007年10期

4 雷戰(zhàn)波;段明周;;第三方支付行業(yè)面臨的法律問題淺析[J];商場(chǎng)現(xiàn)代化;2007年32期

5 王罡;李鍇樂;;我國(guó)網(wǎng)絡(luò)第三方支付的發(fā)展及風(fēng)險(xiǎn)分析[J];經(jīng)濟(jì)前沿;2007年11期

6 孟靜;;第三方支付已成網(wǎng)絡(luò)主流[J];信息方略;2008年20期

7 陳氫;程慧平;;第三方支付運(yùn)營(yíng)模式及其發(fā)展研究[J];現(xiàn)代商貿(mào)工業(yè);2008年02期

8 胡秋梅;;我國(guó)第三方支付存在的問題及對(duì)策研究[J];中國(guó)市場(chǎng);2008年45期

9 盧小冰;王飛;余晨;潘辛平;高佳卿;王亮;張智敏;;第三方支付發(fā)展的新契機(jī)[J];金融電子化;2008年09期

10 趙潤(rùn)靜;;歐美經(jīng)驗(yàn)對(duì)完善我國(guó)第三方支付監(jiān)管的啟示[J];金融電子化;2008年11期

相關(guān)會(huì)議論文 前6條

1 蘇麗芳;;凈化網(wǎng)上交易環(huán)境——論第三方支付的金融監(jiān)管[A];當(dāng)代法學(xué)論壇（2011年第2輯）[C];2011年

2 陳志;賀亞華;;電子商務(wù)中第三方支付法律問題探析[A];金融法學(xué)家（第五輯）[C];2013年

3 王東光;;第三方支付的法律規(guī)制[A];中國(guó)商法年刊（2008）：金融法制的現(xiàn)代化[C];2008年

4 吳德勝;;網(wǎng)上交易中的私人秩序——社區(qū)、聲譽(yù)與第三方中介[A];經(jīng)濟(jì)學(xué)（季刊）第6卷第3期（總第25期）[C];2007年

5 么攀;馮亮;;生活服務(wù)電子商務(wù)網(wǎng)上交易風(fēng)險(xiǎn)研究[A];2011年全國(guó)電子信息技術(shù)與應(yīng)用學(xué)術(shù)會(huì)議論文集[C];2011年

6 ;參考文獻(xiàn)[A];中國(guó)電子商務(wù)企業(yè)發(fā)展報(bào)告2013[C];2013年

相關(guān)重要報(bào)紙文章 前10條

1 記者 朱珉迕;上海成全國(guó)最大第三方支付市場(chǎng)[N];解放日?qǐng)?bào);2010年

2 毛晶慧;第三方支付引發(fā)網(wǎng)上支付方式變革[N];中國(guó)高新技術(shù)產(chǎn)業(yè)導(dǎo)報(bào);2005年

3 本報(bào)記者 文婧 實(shí)習(xí)生 王洪偉;看好市場(chǎng)前景 銀行欲搶第三方支付企業(yè)飯碗[N];經(jīng)濟(jì)參考報(bào);2005年

4 記者 潘泓;第三方網(wǎng)上支付：幾多期許幾多變數(shù)[N];金融時(shí)報(bào);2005年

5 銀聯(lián)電子支付服務(wù)有限公司總經(jīng)理 周曄;對(duì)2005年第三方支付的反思[N];中國(guó)計(jì)算機(jī)報(bào);2005年

6 李清宇;第三方支付跑馬圈地[N];中國(guó)經(jīng)營(yíng)報(bào);2005年

7 吳悅;第三方支付公司面臨“洗牌”[N];中國(guó)電子報(bào);2007年

8 ;第三方支付監(jiān)管模式[N];證券日?qǐng)?bào);2006年

9 賀江兵;第三方支付商賠本賺吆喝[N];財(cái)經(jīng)時(shí)報(bào);2006年

10 本報(bào)記者　 羅小衛(wèi);八成第三方支付企業(yè) 難越央行新政[N];財(cái)經(jīng)時(shí)報(bào);2006年

相關(guān)博士學(xué)位論文 前4條

1 徐顯峰;我國(guó)第三方支付發(fā)展研究[D];西南財(cái)經(jīng)大學(xué);2013年

2 容玲;第三方支付平臺(tái)競(jìng)爭(zhēng)策略與產(chǎn)業(yè)規(guī)制研究[D];復(fù)旦大學(xué);2012年

3 馬永保;第三方互聯(lián)網(wǎng)支付經(jīng)濟(jì)法規(guī)制研究[D];安徽大學(xué);2014年

4 李醫(yī)群;在線第三方支付市場(chǎng)交易效率與風(fēng)險(xiǎn)度量研究[D];東華大學(xué);2011年

，

本文編號(hào)：1952840