山东一卡通公司发展战略研究

发布时间：2018-01-03 01:25

本文关键词：山东一卡通公司发展战略研究　出处：《天津大学》2012年硕士论文　论文类型：学位论文

【摘要】：第三方支付行业在1999年左右开始出现，随着网络化的不断发展我国的第三方支付市场进入激烈竞争阶段，本文认为第三方支付业务，目前主要包括线下的“商业卡”、“购物卡”等用于购物或消费的预付卡业务，线上的“支付宝”、“PayPal”这样的网络支付业务，以及银行卡收单业务三大类。而现阶段第三方支付行业内同质化竞争严重，各企业的产品趋同，价格战的趋势明显，没有形成相对成熟的行业机制及模式，行业内的蓝海无人涉足。虽然中国人民银行于2010年6月公布了《非金融机构支付服务管理办法》，分三个批次向支付企业颁发了第三方支付牌照，在一定程度上形成了行业的准入壁垒，但总体而言第三方支付行业依然处于成长期。据预测，2012年仅网络支付这一项市场份额将突破17000亿元，第三方支付行业的发展前景不言而喻。行业的高速发展，同时行业模式的尚不完善，，为第三方支付企业提供了新一轮的快速发展机遇。本文通过对大量文献资料的研究，阐述了第三方支付行业的特点、发展现状，同时对行业的政策监管做了详细的探究，并且对已经取得第三方支付牌照的重点企业进行SWOT分析，探索第三方支付行业的发展趋势。同时对山东一卡通公司的发展现状进行分析研究，深入了解企业的运营模式、发展特点，由此确定山东一卡通的战略选择：1、以预付卡业务为基础，集中力量发展B2B的网络支付业务的差异化竞争策略；2、利用集团优势及政府支持等有利条件，立足山东，形成预付卡业务与网络支付业务互为支撑的有利局面，并借助网络支付的运营特点快速辐射全国，迅速全国化。
[Abstract]:The third-party payment industry began to appear in 1999. With the continuous development of the network, the third-party payment market in our country has entered the stage of fierce competition. At present, it mainly includes offline "business card", "shopping card" and so on used for shopping or consumption of prepaid card business, online "Alipay", "PayPal" such as network payment services. And the bank card collection business three categories. But at this stage the third party payment industry in the homogeneous competition, the products of different enterprises converge, the trend of price war is obvious, there is no relatively mature industry mechanism and model. Although in June 2010 the people's Bank of China published the "non-financial institutions payment service management measures", in three batches to the payment enterprises issued third-party payment licences. To some extent has formed the industry entry barriers, but generally speaking, the third-party payment industry is still in the growth stage. It is predicted that only online payment market share will exceed 1.7 tillion yuan in 2012. The development prospect of the third-party payment industry is self-evident. The rapid development of the industry and the imperfect mode of the industry provide a new round of rapid development opportunities for the third-party payment enterprises. Through the study of a large number of documents, this paper expounds the characteristics of the third-party payment industry, the development of the status quo, at the same time, the policy of the industry to do a detailed study. And has obtained the third party payment license key enterprise to carry on the SWOT analysis, explores the third party payment profession development tendency. At the same time carries on the analysis research to the Shandong one card company's development present situation. Deeply understand the operation mode and development characteristics of the enterprise, thus determine the strategic choice of Shandong one-card: 1, based on the prepaid card business, concentrate on developing the differentiated competitive strategy of B2B network payment business; 2, make use of group advantage and government support and other favorable conditions, base on Shandong, form the favorable situation that prepaid card business and network payment business support each other, and rapidly radiate the whole country with the operation characteristic of network payment. Rapid nationalization.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F724.6;F832.2

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