金融支付创新对商业活动的影响分析和实证研究

发布时间：2018-07-14 13:51

【摘要】：传统的支付方式如现金、票据、信用卡是每个生活在现代社会的人都非常熟悉的支付方式，但随着电子商务的普及和推广应用，原有的传统支付手段已经无法满足日益频繁的商务活动所要求的方便、快捷、安全的交易资金流转，这就使得新的支付方式应运而生，那就是电子支付。本文围绕创新的支付手段对现代商业活动影响的问题展开讨论。首先介绍创新支付的概念并分析不同类型支付手段的区别和作用范围；其次，在综述创新支付手段给现代商业活动带来各种影响甚至是商业模式变革的情况后，运用2005年至2010年创新支付的交易量和第三方支付企业数据，通过定量和对比分析，，得出创新支付手段能够为企业商业活动节省成本的结论。最后在理论分析和实证分析的总体评价的基础上，文章提出三点建议：第一，应该鼓励企业尤其是电子商务企业在商业活动中最大限度的使用适合自己的创新支付手段，为企业节省成本；第二，新技术伴随的风险是企业需要切实考虑的，否则将增加运营的成本；第三，对于不断涌现的第三方支付企业，政府应适时出台相应的法规政策来规范企业的商业运作，引导支付行业朝着健康，可持续的方向发展。
[Abstract]:Traditional payment methods such as cash, bills and credit cards are very familiar to everyone living in modern society, but with the popularization and application of electronic commerce, The original traditional means of payment can not meet the needs of increasingly frequent business activities of convenient, fast, secure transaction funds flow, which makes the new payment way came into being, that is, electronic payment. This paper discusses the impact of innovative means of payment on modern business activities. First, it introduces the concept of innovative payment and analyzes the difference and scope of different payment means. Secondly, after summarizing the influence of innovative payment means on modern business activities and even the change of business model, By using the volume of innovative payment from 2005 to 2010 and the data of third-party payment enterprises, this paper draws a conclusion that innovative payment means can save the cost of business activities by quantitative and comparative analysis. Finally, on the basis of the overall evaluation of theoretical analysis and empirical analysis, the paper puts forward three suggestions: first, enterprises, especially e-commerce enterprises, should be encouraged to use innovative payment methods suitable for their own business activities to the maximum extent. Cost savings for the enterprise; second, the risks associated with the new technology need to be seriously considered by the enterprise, otherwise it will increase the operating costs; and third, for the emerging third-party payment companies, The government should timely issue corresponding laws and regulations to standardize the business operation of enterprises and guide the payment industry to develop healthily and sustainably.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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