【摘要】：電子支付的興起是信息化時(shí)代最重大的金融服務(wù)變革之一，在這一變革過(guò)程中，一方面是商業(yè)銀行紛紛將其列為重要的金融創(chuàng)新方向和業(yè)務(wù)增長(zhǎng)點(diǎn)，另一方面是許多第三方支付機(jī)構(gòu)也紛紛投資運(yùn)營(yíng)電子支付平臺(tái)。經(jīng)過(guò)十多年的迅速發(fā)展，第三方支付機(jī)構(gòu)已經(jīng)成為我國(guó)支付服務(wù)市場(chǎng)的重要補(bǔ)充力量。基于互聯(lián)網(wǎng)和移動(dòng)通信而迅速發(fā)展起來(lái)的電子支付，不僅改變了傳統(tǒng)的生產(chǎn)模式，同時(shí)也改變了傳統(tǒng)的支付習(xí)慣，，成為世界經(jīng)濟(jì)新的增長(zhǎng)點(diǎn)�，F(xiàn)階段，我國(guó)電子支付的發(fā)展，所面臨的機(jī)遇和挑戰(zhàn)是并存的。我們要不斷創(chuàng)新，創(chuàng)新的同時(shí)從中要借鑒國(guó)外一些發(fā)達(dá)國(guó)家發(fā)展的經(jīng)驗(yàn)，借鑒各國(guó)支付發(fā)展的經(jīng)驗(yàn)，對(duì)我國(guó)第三方支付的發(fā)展起到了導(dǎo)向的作用。 本文主要是根據(jù)第三方支付網(wǎng)關(guān)種類的表現(xiàn)，分析第三方支付發(fā)展歷程、發(fā)展過(guò)程中存在的問(wèn)題，在國(guó)外第三方支付發(fā)展現(xiàn)狀的基礎(chǔ)上，針對(duì)國(guó)內(nèi)的不足提出完善的若干借鑒和啟示。通過(guò)借鑒歐美等國(guó)的發(fā)展經(jīng)驗(yàn)，逐漸步入國(guó)際第三方支付發(fā)展行列中，未來(lái)的發(fā)展趨勢(shì)有很大的提升空間，不斷創(chuàng)新，預(yù)示著信息化發(fā)展的優(yōu)越性，在分析第三方支付行業(yè)發(fā)展規(guī)律和屬性的基礎(chǔ)上，對(duì)我國(guó)如何更好的發(fā)展第三方支付這個(gè)行業(yè)起到了前所未有的作用。
[Abstract]:The rise of electronic payment is one of the most important financial service changes in the information age. In this process, commercial banks have listed it as an important direction of financial innovation and business growth point. On the other hand, many third-party payment institutions have also invested in the operation of electronic payment platform. After more than ten years of rapid development, third-party payment institutions have become an important complementary force in our payment service market. The rapid development of electronic payment based on Internet and mobile communication not only changes the traditional production mode, but also changes the traditional payment habits and becomes a new growth point of the world economy. At this stage, the development of electronic payment in China, the opportunities and challenges are coexistence. We should keep innovating, and at the same time, we should learn from the development experience of some developed countries and the experiences of payment development in other countries, which has played a guiding role in the development of third-party payment in China. This article is mainly based on the performance of third-party payment gateway, analyzes the development of third-party payment, the problems in the development process, on the basis of foreign third-party payment development status quo. Aiming at the deficiency of our country, this paper puts forward some references and enlightenment. By drawing lessons from the development experience of Europe and the United States and other countries, step by step into the international third-party payment development, the future development trend has a great room for improvement, continuous innovation, foreshadowing the superiority of the development of information technology. Based on the analysis of the development rules and attributes of the third-party payment industry, it has played an unprecedented role in how to better develop the third-party payment industry in China.
【學(xué)位授予單位】：遼寧師范大學(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

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本文編號(hào)：2237376