第三方支付發(fā)展及其對商業(yè)銀行影響研究
發(fā)布時間：2019-06-10 12:17
【摘要】：隨著計算機(jī)網(wǎng)絡(luò)技術(shù)的飛速發(fā)展,電子商務(wù)應(yīng)用領(lǐng)域不斷擴(kuò)大,電子業(yè)務(wù)已經(jīng)深入到人們的日常生活中,最典型的莫過于第三方支付業(yè)務(wù)的快速成長。在發(fā)展初始階段,商業(yè)銀行由于網(wǎng)絡(luò)支付業(yè)務(wù)上的不足,給第三方支付技術(shù)的發(fā)展帶來有利時機(jī),我國第三方支付技術(shù)的發(fā)展速度較快,目前已經(jīng)有多家電子商務(wù)公司推出第三方支付業(yè)務(wù),較為常見的如支付寶、財付通等,第三方支付技術(shù)的發(fā)展不僅促進(jìn)了我國互聯(lián)網(wǎng)電子商務(wù)的全面發(fā)展,同時也為電子商務(wù)行業(yè)帶來可觀利潤。第三方支付經(jīng)歷了多年的迅速發(fā)展,如今已經(jīng)壯大,對商業(yè)銀行已經(jīng)產(chǎn)生了不可忽視的影響。對于任一商業(yè)銀行而說,電子商務(wù)業(yè)務(wù)成為提升銀行利潤的重要手段,多家銀行也將第三方支付技術(shù)的研發(fā)與推廣作為銀行主要業(yè)務(wù),相繼推出了網(wǎng)銀轉(zhuǎn)賬和在線支付等金融系列產(chǎn)品,并且直接與中小商戶對接,開展多方合作,積極應(yīng)對第三方支付業(yè)務(wù)發(fā)展給其業(yè)務(wù)經(jīng)營帶來的影響和風(fēng)險沖擊。 本文主要研究第三方支付技術(shù)的發(fā)展特點(diǎn)與未來發(fā)展趨勢。進(jìn)而以支付寶為案例深入的分析了第三方支付業(yè)務(wù)的發(fā)展對我國商業(yè)銀行的影響,在此基礎(chǔ)上對兩者的優(yōu)劣勢進(jìn)行比對,并就兩者之間的關(guān)系進(jìn)行了分析與總結(jié),同時以中國建設(shè)銀行為例就商業(yè)銀行如何應(yīng)對第三方支付業(yè)務(wù)發(fā)展的主要措施進(jìn)行理論分析,指出第三方支付技術(shù)對擴(kuò)展銀行業(yè)務(wù)領(lǐng)域的重要作用,以及第三方支付業(yè)務(wù)在發(fā)展過程中存在的主要問題,同時還對合作中可能存在的風(fēng)險進(jìn)行系統(tǒng)分析,為有效降低在線支付業(yè)務(wù)的風(fēng)險性,與解決存在的主要問題提供可行性措施,促進(jìn)第三方支付技術(shù)的快速、健康發(fā)展。 本文研究的內(nèi)容可以劃分為：第一章緒論,明確本論文的選題緣由、研究背景、意義及目的、論文的研究方法和研究思路、論文的主要研究內(nèi)容和預(yù)計創(chuàng)新點(diǎn)與不足；第二章為第三方支付業(yè)務(wù)的發(fā)展及主要模式比較,首先敘述了第三方支付的內(nèi)涵、定義和主要特點(diǎn),其次簡述了第三方支付技術(shù)的發(fā)展規(guī)律與發(fā)展現(xiàn)狀,并對第三方支付技術(shù)的未來發(fā)展模式進(jìn)行簡要介紹,根據(jù)幾種常見的第三方支付模式,對比分析了主要模式之間的不同；第三章主要闡述第三方支付發(fā)展對商業(yè)銀行的影響,本章從支付寶的發(fā)展特點(diǎn)進(jìn)行分析,重點(diǎn)研究第三方支付業(yè)務(wù)對傳統(tǒng)銀行業(yè)務(wù)的影響和啟示,并深入說明由此給我國商業(yè)銀行業(yè)務(wù)經(jīng)營帶來的風(fēng)險隱患；第四章是商業(yè)銀行應(yīng)對第三方支付業(yè)務(wù)沖擊的主要措施,首先敘述了我國商業(yè)銀行與第三方支付之間的關(guān)系,第三方支付與我國商業(yè)銀行相比各自具備的競爭優(yōu)勢,且在第三方支付發(fā)展過程中,我國商業(yè)銀行是如何采取措施來應(yīng)對第三方支付業(yè)務(wù)發(fā)展的沖擊的,最后以中國建設(shè)銀行為例進(jìn)行詳細(xì)描述我國商業(yè)銀行的具體應(yīng)對舉措；第五章為研究結(jié)論。針對上述的分析進(jìn)行概括總結(jié),得出本文的研究結(jié)論。 本文的研究結(jié)論是隨著人們需求的不斷變化,第三方支付業(yè)務(wù)的不斷發(fā)展,監(jiān)管政策的不斷改變,商業(yè)銀行與第三方支付企業(yè)的關(guān)系也在發(fā)展中不斷的變化,隨著這種變化第三方支付業(yè)務(wù)的發(fā)展對我國商業(yè)銀行的影響也不斷加深,所以,商業(yè)銀行必然會在這種影響下改變自己的經(jīng)營模式,但是商業(yè)銀行與第三方支付機(jī)構(gòu)并不是敵對的關(guān)系,市場經(jīng)濟(jì)的繁榮需要借助于電子商務(wù)的發(fā)展,第三方支付技術(shù)與傳統(tǒng)銀行金融業(yè)務(wù)的和諧發(fā)展是提升市場經(jīng)濟(jì)活力的重要手段。第三方支付業(yè)務(wù)雖然給傳統(tǒng)銀行業(yè)務(wù)帶來一定沖擊,但在競爭的同時更為有利的方式是雙方深度合作,這樣才有利于整個網(wǎng)絡(luò)支付市場的發(fā)展,隨著以后第三方支付市場的不斷擴(kuò)大,只有銀行和第三方支付機(jī)構(gòu)雙方深度合作,整個市場的健康發(fā)展才能得到保障,才能呈現(xiàn)出一個雙贏的良好局面。
[Abstract]:With the rapid development of the computer network technology, the application field of e-commerce is expanding, and the electronic business has been deeply into the daily life of people, and the most typical is the rapid growth of the third-party payment service. In the initial stage of development, the development of the third-party payment technology of the commercial bank has brought an advantage to the development of the third-party payment technology due to the shortage of the network payment service, the development speed of the third-party payment technology in China is relatively fast, and a plurality of e-commerce companies have now launched the third-party payment service, The development of third-party payment technology has not only promoted the overall development of Internet e-commerce in our country, but also brought considerable profit to the e-commerce industry. The third-party payment has gone through many years of rapid development, has now expanded, has already produced the non-negligible effect on the commercial bank. As for any commercial bank, the business of e-commerce has become an important means to improve the profits of the bank, and many banks also use the R & D and extension of the third-party payment technology as the main business of the bank, and successively introduced the financial products such as online banking transfer and online payment. And is directly connected with the small and medium-sized merchants to carry out multi-party cooperation, and actively respond to the influence and the risk impact of the third-party payment business development to the business operation. The development of third-party payment technology and the trend of future development are mainly studied in this paper. In this paper, the influence of the third party payment business on the commercial bank of our country is analyzed in the case of Alipay as a case. On this basis, the superiority and disadvantage of the two are compared, and the relation between the two is analyzed and analyzed. This paper, taking China Construction Bank as an example, carries on the theoretical analysis of how the commercial bank should pay the third party to pay the development of the business, and points out the important role of the third party payment technology in the extension banking business, and the main question that the third party pays the business in the development process The paper also makes a systematic analysis of the possible risks in the cooperation, in order to effectively reduce the risk of online payment business and to provide the feasible measures to solve the main problems existing, and to promote the rapid and healthy development of the third party payment technology. The content of this paper can be divided into the first chapter, the reason of the selection of the thesis, the research background, the significance and the purpose, the research method and the research method of the paper, the main research contents and the expected innovation point of the paper. In the second chapter, the development and main mode of third-party payment technology are compared. The connotation, definition and main characteristics of third-party payment technology are described. The development and development of third-party payment technology are briefly described, and the future development model of third-party payment technology is simplified. To introduce, according to several common third-party payment models, the differences between the main modes are compared and analyzed; the third chapter mainly describes the effect of third-party payment on the commercial banks, and this chapter comes from the development characteristics of Alipay. Line analysis, focus on the influence and enlightenment of the third-party payment business on the traditional banking, and further explain the risk hidden danger brought by the business operation of the commercial bank of our country; the fourth chapter is the main part of the commercial bank to pay the third party to pay the business impact First of all, the relationship between China's commercial bank and third-party payment is described, and the third-party payment has the competitive advantage compared with the commercial bank of our country, and in the process of third-party payment, how to take measures to deal with the third-party payment business development In the end, the specific response of China's commercial banks will be described in detail in the case of China Construction Bank as an example, and the fifth chapter is the research. The conclusion is to sum up the above-mentioned analysis to get the research of this paper. The conclusion is that with the changing of people's demand, the development of the third-party payment business and the changing of the regulation policy, the relationship between the commercial bank and the third-party payment enterprise is also in the development With the changing of the development of the third-party payment business, the influence of the development of the third-party payment business on the commercial bank of our country is also deepening, so the commercial bank will inevitably change its operating mode under the influence, but the commercial bank and the third-party payment institution are not The relationship of hostility and the prosperity of market economy need to be developed by means of the development of e-commerce, and the harmonious development of the third-party payment technology and the traditional bank financial business is to improve the vitality of the market economy The third-party payment business has some impact on the traditional banking, but the more favorable way of the competition is the deep cooperation of both parties, so that the whole network can pay the development of the market, and with the later third-party payment market The expansion of both the bank and the third-party payment institution can guarantee the healthy development of the whole market, so as to present a win-win situation.
【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F734.6;F832.33
本文編號：2496441
[Abstract]:With the rapid development of the computer network technology, the application field of e-commerce is expanding, and the electronic business has been deeply into the daily life of people, and the most typical is the rapid growth of the third-party payment service. In the initial stage of development, the development of the third-party payment technology of the commercial bank has brought an advantage to the development of the third-party payment technology due to the shortage of the network payment service, the development speed of the third-party payment technology in China is relatively fast, and a plurality of e-commerce companies have now launched the third-party payment service, The development of third-party payment technology has not only promoted the overall development of Internet e-commerce in our country, but also brought considerable profit to the e-commerce industry. The third-party payment has gone through many years of rapid development, has now expanded, has already produced the non-negligible effect on the commercial bank. As for any commercial bank, the business of e-commerce has become an important means to improve the profits of the bank, and many banks also use the R & D and extension of the third-party payment technology as the main business of the bank, and successively introduced the financial products such as online banking transfer and online payment. And is directly connected with the small and medium-sized merchants to carry out multi-party cooperation, and actively respond to the influence and the risk impact of the third-party payment business development to the business operation. The development of third-party payment technology and the trend of future development are mainly studied in this paper. In this paper, the influence of the third party payment business on the commercial bank of our country is analyzed in the case of Alipay as a case. On this basis, the superiority and disadvantage of the two are compared, and the relation between the two is analyzed and analyzed. This paper, taking China Construction Bank as an example, carries on the theoretical analysis of how the commercial bank should pay the third party to pay the development of the business, and points out the important role of the third party payment technology in the extension banking business, and the main question that the third party pays the business in the development process The paper also makes a systematic analysis of the possible risks in the cooperation, in order to effectively reduce the risk of online payment business and to provide the feasible measures to solve the main problems existing, and to promote the rapid and healthy development of the third party payment technology. The content of this paper can be divided into the first chapter, the reason of the selection of the thesis, the research background, the significance and the purpose, the research method and the research method of the paper, the main research contents and the expected innovation point of the paper. In the second chapter, the development and main mode of third-party payment technology are compared. The connotation, definition and main characteristics of third-party payment technology are described. The development and development of third-party payment technology are briefly described, and the future development model of third-party payment technology is simplified. To introduce, according to several common third-party payment models, the differences between the main modes are compared and analyzed; the third chapter mainly describes the effect of third-party payment on the commercial banks, and this chapter comes from the development characteristics of Alipay. Line analysis, focus on the influence and enlightenment of the third-party payment business on the traditional banking, and further explain the risk hidden danger brought by the business operation of the commercial bank of our country; the fourth chapter is the main part of the commercial bank to pay the third party to pay the business impact First of all, the relationship between China's commercial bank and third-party payment is described, and the third-party payment has the competitive advantage compared with the commercial bank of our country, and in the process of third-party payment, how to take measures to deal with the third-party payment business development In the end, the specific response of China's commercial banks will be described in detail in the case of China Construction Bank as an example, and the fifth chapter is the research. The conclusion is to sum up the above-mentioned analysis to get the research of this paper. The conclusion is that with the changing of people's demand, the development of the third-party payment business and the changing of the regulation policy, the relationship between the commercial bank and the third-party payment enterprise is also in the development With the changing of the development of the third-party payment business, the influence of the development of the third-party payment business on the commercial bank of our country is also deepening, so the commercial bank will inevitably change its operating mode under the influence, but the commercial bank and the third-party payment institution are not The relationship of hostility and the prosperity of market economy need to be developed by means of the development of e-commerce, and the harmonious development of the third-party payment technology and the traditional bank financial business is to improve the vitality of the market economy The third-party payment business has some impact on the traditional banking, but the more favorable way of the competition is the deep cooperation of both parties, so that the whole network can pay the development of the market, and with the later third-party payment market The expansion of both the bank and the third-party payment institution can guarantee the healthy development of the whole market, so as to present a win-win situation.
【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F734.6;F832.33
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