本文選題：移動支付 + 二維碼支付�。� 參考：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2017年碩士論文

【摘要】：21世紀(jì)以來,隨著互聯(lián)網(wǎng)、IT技術(shù)的迅速發(fā)展以及智能手機(jī)市場、移動通訊技術(shù)的空前繁榮,支付領(lǐng)域發(fā)生了巨大的變革。尤其是最近興起的二維碼支付,已經(jīng)走進(jìn)千家萬戶,成為人們?nèi)粘Ｉ畋夭豢缮俚囊环N支付方式,購物時拿出手機(jī)掃一掃幾秒鐘即可完成付款,出門不帶現(xiàn)金已經(jīng)成為這一時代的標(biāo)志。2016年8月,中國支付清算協(xié)會向支付機(jī)構(gòu)下發(fā)的《條碼支付業(yè)務(wù)規(guī)范》,表明官方首次承認(rèn)二維碼支付的市場地位。這一文件的出臺意味著更多的支付用戶主體逐漸從PC端轉(zhuǎn)移到了移動端,不僅傳統(tǒng)網(wǎng)銀支付受到了威脅,POS支付、銀行信用卡、借記卡使用量也在明顯減少,銀行的業(yè)務(wù)受到了沖擊,這給商業(yè)銀行帶來了巨大挑戰(zhàn)。作為二維碼支付產(chǎn)業(yè)鏈條中不可或缺的一方,商業(yè)銀行如果不盡早利用自身的資源和優(yōu)勢積極布局二維碼支付業(yè)務(wù),必然會面臨更大的挑戰(zhàn)。本文從二維碼支付崛起這一現(xiàn)象入手,對我國商業(yè)銀行積極開展二維碼支付業(yè)務(wù)的必要性和意義進(jìn)行了較為系統(tǒng)的分析總結(jié),文章主要從二維碼支付業(yè)務(wù)的整體市場環(huán)境、商業(yè)銀行自身業(yè)務(wù)發(fā)展需求、商業(yè)銀行現(xiàn)有優(yōu)勢和不足以及二維碼支付用戶的使用意愿等幾個方面進(jìn)行分析,并以此為基礎(chǔ)提出商業(yè)銀行發(fā)展二維碼支付業(yè)務(wù)的對策建議,分別從總體布局、產(chǎn)品建議和營銷建議這三個方面為商業(yè)銀行發(fā)展二維碼支付業(yè)務(wù)提供相關(guān)對策。在總體布局上本文提出加強(qiáng)銀行間相互合作、加強(qiáng)與二維碼支付鏈條各主體之間的合作、提高第三方支付的進(jìn)入門檻三方面的建議,在產(chǎn)品建議方面提出完善銀行二維碼支付產(chǎn)品功能和加強(qiáng)銀行二維碼支付產(chǎn)品安全性來提升客戶使用體驗(yàn),在市場建議方面,提出拓展市場支付場景、豐富市場營銷活動等具體建議。本文旨在通過研究我國商業(yè)銀行二維碼支付業(yè)務(wù)及發(fā)展對策從而推動我國商業(yè)銀行移動支付業(yè)務(wù)的發(fā)展,優(yōu)化我國商業(yè)銀行的業(yè)務(wù)轉(zhuǎn)型進(jìn)程,并不斷完善我國支付行業(yè)的發(fā)展。
[Abstract]:Since the 21st century, with the rapid development of Internet IT technology and smart phone market, the unprecedented prosperity of mobile communication technology, payment field has undergone tremendous changes. In particular, QR code payment, which has recently emerged, has entered thousands of households and become an indispensable form of payment in people's daily life. When shopping, it takes a few seconds to sweep out a mobile phone to complete the payment. Going out without cash has become the hallmark of this era. In August 2016, the China payment Clearing Association issued a barcode payment business specification to payment agencies, indicating that the official recognition of the market status of QR code payment for the first time. The release of this document means that more payment users are gradually moving from PC to mobile, not only traditional online payment has been threatened by POS payments, but also the use of bank credit cards and debit cards has been significantly reduced. The bank's business has been hit, which has brought huge challenges to commercial banks. As an indispensable part of the QR code payment industry chain, commercial banks will inevitably face greater challenges if they do not use their own resources and advantages to actively layout the QR code payment business as soon as possible. Starting from the phenomenon of the rise of QR code payment, this paper makes a systematic analysis and summary of the necessity and significance of our country's commercial banks to carry out the business of QR code payment, mainly from the overall market environment of the business of QR code payment. The commercial bank's own business development demand, the commercial bank's present advantage and the insufficiency as well as the two dimensional code payment user's use will carry on the analysis and so on several aspects carries on the analysis, and puts forward the commercial bank to develop the two dimensional code payment service countermeasure suggestion based on this. Respectively from the overall layout, product suggestions and marketing advice for commercial banks to develop QR code payment business to provide relevant countermeasures. In the overall layout, this paper puts forward the suggestions of strengthening the cooperation among banks, strengthening the cooperation with the main bodies of the QR code payment chain, and raising the entry threshold of third-party payment. In the aspect of product suggestion, it proposes to improve the function of QR code payment product and enhance the safety of QR code payment product to enhance the customer experience. In the aspect of market suggestion, it proposes to expand the market payment scenario. Enrich marketing activities and other specific suggestions. The purpose of this paper is to promote the development of mobile payment business of Chinese commercial banks by studying the QR code payment business of Chinese commercial banks and its development countermeasures, to optimize the process of business transformation of commercial banks in China, and to improve the development of payment industry in our country.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.2;F724.6

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