【摘要】：近年來,全球互聯(lián)網(wǎng)技術(shù)發(fā)展迅猛,通過互聯(lián)網(wǎng)的帶動(dòng),幾乎各行各業(yè)都得到了“新生”。2015年3月,李克強(qiáng)總理在《政府工作報(bào)告》中提出的“互聯(lián)網(wǎng)+”概念,便是對(duì)互聯(lián)網(wǎng)這一帶動(dòng)作用的充分肯定。而在其中,互聯(lián)網(wǎng)和金融的結(jié)合尤為突出,“互聯(lián)網(wǎng)金融”無疑是目前熱議度非常高的概念之一。作為互聯(lián)網(wǎng)金融的最主要組成部分,互聯(lián)網(wǎng)支付業(yè)務(wù)與老百姓的日常生活息息相關(guān)。例如網(wǎng)上購物時(shí),買家向賣家支付貨款的過程,就是互聯(lián)網(wǎng)支付的過程,而承擔(dān)資金清算職責(zé)的中介就是“銀行”,或者越來越多的“第三方支付公司”。在電子商務(wù)(網(wǎng)上購物)剛剛起步的時(shí)期,負(fù)責(zé)資金清算的主要是第三方支付公司,這是因?yàn)樯虡I(yè)銀行還沒有重視這方面的業(yè)務(wù)。以“支付寶”、“財(cái)付通”等為代表的第三方支付公司陸續(xù)出現(xiàn),促進(jìn)了整個(gè)電子商務(wù)行業(yè)的發(fā)展。同時(shí),第三方支付公司也在電子商務(wù)行業(yè)中獲得了巨大的利潤,一方面是手續(xù)費(fèi)收入,另一方面是龐大的資金沉淀。發(fā)現(xiàn)這一巨大市場和商機(jī)后,各大銀行開始大力發(fā)展網(wǎng)上支付業(yè)務(wù),推出了一系列產(chǎn)品和解決方案,大舉進(jìn)軍電子商務(wù)市場,與第三方支付公司爭搶市場。銀行與第三方支付公司之間的關(guān)系比較復(fù)雜,既有合作又存在著競爭。而且隨著互聯(lián)網(wǎng)金融市場的發(fā)展和變化,以及監(jiān)管部門對(duì)互聯(lián)網(wǎng)金融和第三方支付公司的態(tài)度和政策的變化,銀行與第三方支付公司之間的博弈似乎才正式開始。為了進(jìn)一步推動(dòng)銀行與第三方支付企業(yè)的競爭合作關(guān)系研究,本選題以互聯(lián)網(wǎng)金融背景下銀行與第三方支付公司的發(fā)展現(xiàn)狀和合作模式為基礎(chǔ),分析了銀行和第三方支付公司的優(yōu)勢和劣勢,運(yùn)用SWOT分析和實(shí)證分析法,以N銀行和第三方支付Y公司的合作案例,提出銀企雙方合作模式的優(yōu)化措施和建議,對(duì)進(jìn)一步維護(hù)網(wǎng)上支付市場的穩(wěn)定,建立規(guī)范有序的電子金融市場,具有一定的現(xiàn)實(shí)意義。
[Abstract]:In recent years, the global Internet technology has developed rapidly. With the help of the Internet, almost all industries have been "reborn". In March 2015, Prime Minister Li Keqiang put forward the concept of "Internet" in the Government work report. Is to the Internet this one drives the function the full affirmation. In which, the combination of Internet and finance is particularly prominent, "Internet Finance" is undoubtedly one of the very hot concept. As the most important part of Internet finance, Internet payment business is closely related to people's daily life. For example, when shopping online, the process of buyers paying to sellers is the process of Internet payment, and the intermediary that undertakes the responsibility of clearing funds is the "bank", or more and more "third-party payment companies". In the early days of electronic commerce (online shopping), it was mainly the third-party payment companies that were responsible for the liquidation of funds, because commercial banks did not attach importance to this aspect of business. Third-party payment companies, such as Alipay, Tenpay and so on, have emerged one after another, promoting the development of the whole e-commerce industry. At the same time, third-party payment companies have also made huge profits in the e-commerce industry, on the one hand, fees revenue, on the other hand, huge capital deposits. After discovering this huge market and business opportunities, the major banks began to vigorously develop online payment business, launched a series of products and solutions, into the e-commerce market, competing with third-party payment companies in the market. The relationship between banks and third-party payment companies is complex, both cooperation and competition. With the development and change of the Internet financial market and the change of the attitude and policy of the supervision department to the Internet finance and the third party payment company, the game between the bank and the third party payment company seems to begin formally. In order to further promote the research of competitive and cooperative relationship between banks and third-party payment enterprises, this topic is based on the development status and cooperation mode of banks and third-party payment companies under the background of Internet finance. This paper analyzes the advantages and disadvantages of banks and third-party payment companies, applies SWOT analysis and empirical analysis, and puts forward the optimization measures and suggestions of the cooperation mode between banks and third-party payment companies with the case of N bank and third-party payment company Y. It is of practical significance to further maintain the stability of the online payment market and establish a standardized and orderly electronic financial market.
【學(xué)位授予單位】：廣東財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.2;F724.6

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