【摘要】：隨著4G網(wǎng)絡(luò)的全面普及,移動(dòng)支付的應(yīng)用范圍變得越來(lái)越廣闊,支付場(chǎng)景逐漸覆蓋生活的方方面面。雖然在國(guó)外移動(dòng)支付技術(shù)已經(jīng)發(fā)展的比較成熟,但是中國(guó)的移動(dòng)支付卻是前幾年才發(fā)展起來(lái),近幾年速度猛增的。由于主導(dǎo)者不同,致使中國(guó)移動(dòng)支付產(chǎn)業(yè)在發(fā)展進(jìn)程中出現(xiàn)了三種不同的模式,分別為以手機(jī)移動(dòng)運(yùn)營(yíng)商、商業(yè)銀行以及第三方支付平臺(tái)為代表的商業(yè)運(yùn)作模式模式。以哪種模式作為我國(guó)移動(dòng)支付發(fā)展的模式關(guān)系到整個(gè)產(chǎn)業(yè)鏈的利益分配,所以,商業(yè)銀行高度重視移動(dòng)支付發(fā)展的機(jī)會(huì),積極投入戰(zhàn)場(chǎng),充分發(fā)揮自身的資源優(yōu)勢(shì)和先進(jìn)的移動(dòng)技術(shù),但是商業(yè)銀行仍然不能在這場(chǎng)戰(zhàn)役中處于領(lǐng)先位置,為了使商業(yè)銀行在發(fā)展移動(dòng)支付業(yè)務(wù)過(guò)程中,超越其它競(jìng)爭(zhēng)者,不斷發(fā)揚(yáng)優(yōu)點(diǎn),改善缺點(diǎn)。本文以工商銀行的e支付產(chǎn)品為對(duì)象,研究了商業(yè)銀行的移動(dòng)支付業(yè)務(wù)。工商銀行擁有雄厚的資本、較強(qiáng)的盈利能力和風(fēng)險(xiǎn)控制體系,其作為“宇宙行”,其推出的產(chǎn)品可以作為商業(yè)銀行移動(dòng)支付業(yè)務(wù)的代表。因此本文針對(duì)“工銀e支付”產(chǎn)品進(jìn)行了細(xì)致分析,旨在為“工銀e支付”的進(jìn)一步完善提出參考意見(jiàn),并為銀行類(lèi)移動(dòng)支付產(chǎn)品在移動(dòng)支付領(lǐng)域提升競(jìng)爭(zhēng)力貢獻(xiàn)一份力量。本文從所研究問(wèn)題的背景和意義出發(fā),介紹了國(guó)內(nèi)移動(dòng)支付業(yè)務(wù)的發(fā)展情況,緊接著著重介紹了工行“工銀e支付”產(chǎn)品的的發(fā)展背景及產(chǎn)品內(nèi)容,包括注冊(cè)流程、支付流程、產(chǎn)品特點(diǎn)及具體的使用規(guī)則。在分析中,與中國(guó)移動(dòng)支付領(lǐng)域的代表性產(chǎn)品“支付寶”進(jìn)行了比較,發(fā)現(xiàn)“工銀e支付”產(chǎn)品的優(yōu)點(diǎn)和缺點(diǎn),結(jié)合國(guó)外移動(dòng)支付業(yè)務(wù)的發(fā)展及對(duì)我國(guó)的借鑒意義,歸納總結(jié)出完善“工銀e支付”的建議。本文使用了經(jīng)驗(yàn)借鑒法、對(duì)比分析法等研究方法。通過(guò)經(jīng)驗(yàn)借鑒法,引入了國(guó)外發(fā)展移動(dòng)支付的經(jīng)驗(yàn)。通過(guò)對(duì)比分析法,分析出“工銀e支付”的優(yōu)缺點(diǎn),即身份認(rèn)證太簡(jiǎn)單;使用人群廣泛性不足;創(chuàng)新性不足;合作意識(shí)較弱;體系不完善。在借鑒國(guó)外移動(dòng)支付發(fā)展經(jīng)驗(yàn)的基礎(chǔ)上,結(jié)合本產(chǎn)品的分析結(jié)果,本文認(rèn)為完善“工銀e支付”應(yīng)該做到以下幾點(diǎn):維護(hù)客戶資金安全;提升客戶支付體驗(yàn);積累商戶和客戶資源;加強(qiáng)產(chǎn)品創(chuàng)新;加強(qiáng)多方合作;完善支付功能。
[Abstract]:With the popularity of 4G network, the application of mobile payment has become more and more extensive, payment scenarios gradually cover all aspects of life. Although mobile payment technology has been developed in foreign countries, mobile payment in China has developed only a few years ago, and the speed of mobile payment has increased rapidly in recent years. Because of the different leaders, there are three different modes in the development of China Mobile payment industry, which are represented by mobile phone operators, commercial banks and third-party payment platforms. Which mode of mobile payment development in our country is related to the benefit distribution of the whole industry chain, therefore, commercial banks attach great importance to the opportunity of mobile payment development and actively put into the battlefield. Give full play to their own advantages of resources and advanced mobile technology, but commercial banks are still unable to take the lead in this campaign. In order to enable commercial banks to surpass other competitors in the development of mobile payment business, Continue to develop the advantages and improve the shortcomings. In this paper, the e-payment products of ICBC are taken as the object, and the mobile payment service of commercial banks is studied. ICBC has a strong capital, strong profitability and risk control system. As a "Cosmos", ICBC's products can be used as the representative of commercial bank mobile payment business. Therefore, this paper makes a detailed analysis on the products of "Industrial Bank e payment", in order to provide reference for the further improvement of "Industrial Bank e payment" and to contribute to the promotion of competitiveness of bank mobile payment products in the field of mobile payment. Based on the background and significance of the research, this paper introduces the development of domestic mobile payment service, and then focuses on the development background and product content of ICBC's "Industrial Bank of China e payment" product, including registration process, payment process, etc. Product characteristics and specific usage rules. In the analysis, compared with the representative product "Alipay" in China Mobile payment field, we found the advantages and disadvantages of the product, combined with the development of foreign mobile payment business and the significance of reference to our country. Summed up and summed up the proposal to improve the "Industrial Bank e payment". In this paper, the empirical method, comparative analysis and other research methods are used. This paper introduces the experience of developing mobile payment in foreign countries by using the method of experience for reference. By means of comparative analysis, the advantages and disadvantages of "Industrial Bank e payment" are analyzed, that is, identity authentication is too simple, the use of people is inadequate, the innovation is insufficient, the consciousness of cooperation is weak, and the system is not perfect. Based on the experience of mobile payment development in foreign countries and the analysis results of this product, this paper believes that the following points should be done to perfect the "Industrial Bank e payment": to maintain the security of customer funds, to enhance customer payment experience, and to improve the performance of mobile payment. Accumulate merchant and customer resources; strengthen product innovation; strengthen multi-party cooperation; perfect payment function.
【學(xué)位授予單位】：河北經(jīng)貿(mào)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.2
，

本文編號(hào)：2290416