【摘要】：商務(wù)模式的重大轉(zhuǎn)變得益于通信技術(shù)和網(wǎng)絡(luò)信息技術(shù)的快速發(fā)展，進(jìn)而對資金流和信息流有了新的需求，也給支付服務(wù)模式帶來了巨大變革。為滿足電子商務(wù)發(fā)展需要，為交易提供安全、便捷、高效的資金轉(zhuǎn)移服務(wù)，支付服務(wù)主體為不同的使用者提供多種新興電子支付服務(wù)。一方面，，非金融機(jī)構(gòu)加入支付服務(wù)提供者的行列，并針對商戶支付需求的多樣化推出了多種新型、便捷的支付工具，打破了原有的銀行機(jī)構(gòu)主導(dǎo)支付服務(wù)的格局。另一方面，利率市場化進(jìn)程的加快使銀行機(jī)構(gòu)更加重視中間業(yè)務(wù)的發(fā)展，銀行機(jī)構(gòu)在保持票據(jù)等原有傳統(tǒng)支付業(yè)務(wù)的同時，開始拓展基于銀行卡的新興電子支付業(yè)務(wù)。目前，支付機(jī)構(gòu)以較低的價格提供與銀行相近或者相同的服務(wù)，隨著二者支付服務(wù)渠道的融合、領(lǐng)域的交叉和服務(wù)方式的趨同，支付服務(wù)市場的競爭也越來越激烈。然而，由于資金的清算最終需要通過銀行機(jī)構(gòu)的清算渠道來完成，因此二者之間又必須有合作。在當(dāng)今兩大支付服務(wù)主體錯綜復(fù)雜的關(guān)系中，探索出一條二者發(fā)展的競爭與合作道路就顯得至關(guān)重要。本文首先梳理兩大支付服務(wù)主體的基本情況，剖析網(wǎng)上支付和移動支付兩種典型電子支付方式的市場發(fā)展?fàn)顩r。再以支付機(jī)構(gòu)和銀行機(jī)構(gòu)的對比為切入點，全面梳理二者提供支付服務(wù)時的共性和差異性。在此基礎(chǔ)上，采用SWOT分析法，理清二者各自的優(yōu)劣勢和當(dāng)前的競爭與合作關(guān)系，探索出一種適合雙方共同發(fā)展的競爭與合作機(jī)制。最后，以支付寶為例，對當(dāng)前競爭與合作的實踐進(jìn)行介紹并對經(jīng)驗進(jìn)行總結(jié)。
[Abstract]:The great change of business model is due to the rapid development of communication technology and network information technology, which brings new demand to capital flow and information flow, and also brings great change to payment service mode. In order to meet the needs of e-commerce development and provide secure, convenient and efficient fund transfer services for transactions, payment service providers provide a variety of emerging electronic payment services for different users. On the one hand, non-financial institutions join the ranks of payment service providers and introduce a variety of new and convenient payment tools aimed at the diversification of commercial payment needs, which breaks the pattern of payment services dominated by the original banking institutions. On the other hand, with the acceleration of interest rate marketization process, banking institutions pay more attention to the development of intermediate business. While keeping the original traditional payment business such as bills, banking institutions begin to expand the new electronic payment business based on bank cards. At present, payment institutions offer similar or identical services to banks at lower prices. With the integration of the two payment service channels, the convergence of fields and service methods, the competition in the payment service market is becoming more and more fierce. However, since the liquidation of funds ultimately needs to be done through the clearing channels of the banking institutions, there must also be cooperation between the two. In the complicated relationship between the two payment service subjects, it is very important to explore a way of competition and cooperation between them. This paper firstly analyzes the basic situation of the two major payment service subjects and analyzes the market development of two typical electronic payment modes: online payment and mobile payment. Then the contrast between payment institution and bank institution is taken as the breakthrough point, and the commonness and difference when they provide payment service are comprehensively combed. On this basis, the SWOT analysis method is used to clarify their respective advantages and disadvantages and the current competition and cooperation relationship, and to explore a competition and cooperation mechanism suitable for the common development of both sides. Finally, taking Alipay as an example, the paper introduces the practice of competition and cooperation and summarizes the experience.
【學(xué)位授予單位】：河南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.2;F724.6

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