中国银联基于商业生态系统的发展战略研究

发布时间：2018-04-06 22:38

本文选题：商业生态系统　切入点：银行卡产业　出处：《山东大学》2012年硕士论文

【摘要】：银行卡产业以现代电子信息技术为支撑,以塑料卡片为卡基,通过以银行、银行卡清算组织、第三方专业化的服务机构、银行卡受理商户组成的企业群体,为持卡人提供电子支付和消费信贷的服务。2002年,经国务院同意、中国人民银行批准,中国银联正式挂牌成立,银联的成立标志着国内银行卡产业“规则联合制定、业务联合推广、市场联合拓展、秩序联合规范、风险联合防范”的产业发展新体制正式形成。银联的主要职责是建设中国银行卡统一支付网络,为银行卡跨行支付提供统一、高效、安全的支付清算服务,以及于银行卡产业链相关的其他专业化服务,对我国银行卡产业发展发挥着基础性作用,中国银联的成立标志着我国银行卡产业开始向集约化、规模化发展,从此,中国银行卡产业进入了全面、快速发展的新阶段。目前,中国银联是中国境内唯一的银行卡组织,处于我国银行卡产业链的核心位置,各银行发行的银联卡通过银联跨行交易清算系统,实现了联网通用,从而使银行卡得以跨银行、跨地区和跨境使用。银联的发展战略不仅关系到银联自身的持续发展,也关系到整个银行卡产业链的发展,因此,其企业发展战略的制定不仅以一般的企业战略定位,而是站在产业发展的高度上,与国家支付产业政策相结合的金融战略,既有企业所处产业的高度相关性,也有典型的社会性。银行卡产业属于典型的网络经济,是建立在高新技术基础之上的现代个人支付结算系统,银行卡市场的主要参与方包括发卡机构、收单机构、持卡人、受理商户、第三方专业服务机构以及与此相关的设备制造商、系统集成商、网络运营商、应用开发商等上下游产业共同组成的产业群落,形成了完整的银行卡产业价值链。近年来,随着网络经济的发展,新型支付产业以互联网支付、手机支付、数字电视支付为代表大规模介入个人支付产业,对传统产业模式产生了理念上的冲击,并分流了一部分市场；而从金融开放的角度出发,国内银行市场的开放已纳入时间表,国内银行卡产业与国际银行卡产业的融合已成必然趋势。健康的银行卡生态环境不仅是产业发展的需要,更是作为网路核心型企业---银联的生存和发展需要,因此,确定银联的发展战略,建立健康合理的产业发展格局,推进业务创新和产业进步,符合银行卡产业各方的利益,符合国家金融战略的需要。商业生态系统理论很好的诠释了新经济时代核心网络型企业发展的战略思维。本文研究的方向,就是从商业生态系统理论出发,站在国家产业政策与银行卡组织和公司化经营相融合的多重视角审视银行卡产业的发展模式,研究中国银联基于商业生态系统的发展战略,从商业生态学的角度分析产业特征,分析产业参与各方的地位和角色,尤其是核心企业的发展战略对产业发展的影响,研究其发展动向和动因,从企业战略管理分析入手,结合PEST分析、蓝海战略等基础理论,结合国内国际银行卡产业发展现状,从产业发展、文化沟通、创新多个领域出发,围绕产业生态健康发展的视角,探索维护和保持产业健康发展的生态模式对提高银行卡产业生态系统的生产率和强健性的积极影响,探讨产业政策的战略前瞻性,形成创新发展、竞争有序、风险可控、健康和谐的生态产业链,为持卡人提供一个范围更广、领域更多、渠道更丰富的银行卡受理环境,为中国经济发展服务。
[Abstract]:The bank card industry is supported by modern electronic information technology . It takes the plastic card as the card base . It is formed by the bank , bank card clearing organization , third party specialized service institution and bank card accepting merchant . The main responsibility of UnionPay is to build the unified payment network of China ' s bank card . The establishment of UnionPay marked the foundation of the development of the bank card industry in China . The establishment of UnionPay marked the beginning of China ' s bank card industry to be intensive and large - scale development . From then on , the Chinese bank card industry has entered a new stage of comprehensive and rapid development .

Currently , China UnionPay is the only bank card organization in China , which is located at the core of our bank card industry chain . The UnionPay cards issued by banks can be used for cross - bank , cross - regional and cross - border use . The development strategy of UnionPay is not only related to the continuous development of UnionPay itself but also the development of the whole bank card industry chain .

The bankcard industry belongs to a typical network economy , and is a modern personal payment settlement system based on high and new technology . The main participants of the bank card market include card issuing organization , acquirer , cardholder , accepting merchant , third party professional service institution and related equipment manufacturer , system integrator , network operator and application developer .
From the view of financial openness , the opening of domestic banking market has been integrated into the timetable , and the integration of domestic bankcard industry and international bank card industry has become the inevitable trend . The healthy bank card ecological environment is not only the need of industrial development , but also the existence and development needs of the network core enterprise - UnionPay . Therefore , the development strategy of UnionPay is established , the healthy and reasonable industrial development pattern is established , the business innovation and industry progress are promoted , and the interests of all parties in the bank card industry are in conformity with the needs of the national financial strategy .

This paper studies the development pattern of the core network type enterprise in the new economic era from the perspectives of industry development , culture communication and innovation from the perspectives of industry development , culture communication and innovation .

【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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