【摘要】：隨著全社會電子化與互聯(lián)網(wǎng)程度的快速提高,支付業(yè)務的發(fā)展環(huán)境及業(yè)務模式發(fā)生了很大變化。以支付寶、銀聯(lián)商務為代表的第三方支付機構,推出了許多有別于傳統(tǒng)的現(xiàn)金支付、刷卡支付或是票據(jù)支付等形式的新現(xiàn)代支付手段,如網(wǎng)上快捷支付、手機支付等等,在網(wǎng)絡購物以及商戶收單領域占據(jù)了很大的市場份額。商業(yè)銀行由原來在支付領域的“一枝獨秀”,逐步與其他支付機構等形成競爭,未來可能成為群雄割據(jù)的局面。 本文運用金融創(chuàng)新理論、SWOT分析模型及4C理論,以建設銀行為研究對象,首先系統(tǒng)回顧了我國現(xiàn)代支付業(yè)務的發(fā)展歷程,對四類典型的現(xiàn)代支付業(yè)務表現(xiàn)形式——網(wǎng)絡支付、移動支付、OTO支付以及IC卡支付進行梳理,并探討了現(xiàn)代支付業(yè)務的發(fā)展趨勢；其次,深入分析了建設銀行推出的現(xiàn)代支付產(chǎn)品,與第三方支付機構進行了對比,指出建行現(xiàn)代支付業(yè)務存在的優(yōu)勢和劣勢,以及面臨的機遇與威脅。在此基礎上,本文進一步提出了建設銀行發(fā)展現(xiàn)代支付業(yè)務的策略是：圍繞現(xiàn)代支付業(yè)務的核心本質,按照先易后難,循序漸進的步驟,采取“發(fā)揮比較優(yōu)勢,打造重點支付產(chǎn)品；抓住機遇,以市場需求作為支付產(chǎn)品的創(chuàng)新導向；彌補不足,提升支付產(chǎn)品競爭力以及更新管理模式,提高支付服務效率”等四大發(fā)展策略,提供優(yōu)質、便捷、高效的支付服務,滿足市場多樣化、個性化的消費需求,以便在未來中國支付業(yè)務領域的競爭中立于不敗之地。
[Abstract]:With the rapid development of the whole society and the Internet, the development environment and business mode of payment business have changed a lot. The third-party payment organizations, represented by Alipay and UnionPay Commerce, have introduced many new modern payment methods, such as quick online payment, mobile phone payment and so on, which are different from the traditional cash payment, credit card payment or bill payment. In the area of online shopping and merchants to receive orders to occupy a large market share. The commercial banks have gradually formed competition with other payment organizations from the original "outstandings" in the field of payment, which may become a situation of separation of power and power in the future. With the help of financial innovation theory, SWOT analysis model and 4C theory, this paper takes China Construction Bank as the research object. Firstly, this paper systematically reviews the development of modern payment business in China, and makes a systematic review of four typical forms of modern payment business-network payment. Mobile payment, OTO payment and IC card payment are combed, and the development trend of modern payment service is discussed. Secondly, the paper analyzes the modern payment products launched by CCB, compares them with the third-party payment organizations, and points out the advantages and disadvantages of CCB's modern payment business, as well as the opportunities and threats it faces. On this basis, this paper further puts forward the strategy of development of modern payment business in China Construction Bank: according to the core essence of modern payment business, according to the steps of "easy before difficult, step by step", take "giving play to comparative advantage," Create key payment products; Seize the opportunity and take the market demand as the innovation direction of payment products; To make up for the shortage, to improve the competitiveness of payment products, to update the management mode, to improve the efficiency of payment services, to provide high-quality, convenient and efficient payment services, and to meet the diversified and personalized consumer demand of the market, In order to the future of the Chinese payment business in the field of competition in an invincible position.
【學位授予單位】：廈門大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.2

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相關期刊論文 前10條

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本文編號：2336003