无锡SMK公司第三方支付业务发展策略研究

发布时间：2018-12-18 09:31

【摘要】：随着近几年互联网技术的高速发展,我国的电子商务市场已经开始呈现普及化和常态化趋势,与此同时,大量的第三方支付企业横空出世。随着网络信息技术的发展、通信技术的成熟,以及支付服务内容的不断细化,越来越多的非金融机构参与到第三方支付业务中来,第三方支付企业已经逐步成为了现代经济中支付与结算活动的关键环节。无锡SMK公司成立于2009年,主要负责市民卡的制作、运营服务和业务拓展工作。在2012年获得人民银行颁发的第三方支付牌照后,公司迎来了快速发展的新契机。在原有交通卡业务的基础上,公司发行了商业预付卡,经营业绩稳步上升。本文在查找、学习、研究大量资料的基础上,结合当前第三方支付行业发展实际,首先从理论上阐述了第三方支付业务的概念、特点和作用,着重介绍了我国第三方支付业务的发展历程和无锡SMK公司在第三方支付领域的发展和面临的问题；然后通过围绕宏观环境和行业环境进行公司外部发展环境分析,以及对公司内部资源能力进行分析,为下面发展策略的选择与制定提供可靠依据;最后通过SWOT分析法,找出无锡SMK公司自身的优势、劣势、机会以及存在的威胁,并由此确定公司第三方支付业务的发展方向和发展策略,并对公司第三方支付业务发展策略实施提出具体方式和途径,从而使公司在无锡市场乃至全国同行业中具有显著优势和竞争力。
[Abstract]:With the rapid development of Internet technology in recent years, the e-commerce market in China has begun to take on a trend of popularization and normalization. At the same time, a large number of third-party payment enterprises have emerged. With the development of network information technology, the maturity of communication technology and the continuous refinement of payment service content, more and more non-financial institutions participate in third-party payment business. Third-party payment enterprises have gradually become the key link of payment and settlement activities in modern economy. Wuxi SMK Company was founded in 2009, mainly responsible for the production of citizen cards, operating services and business expansion. After obtaining the third-party payment license issued by the people's Bank in 2012, the company ushered in a new opportunity for rapid development. On the basis of the original traffic card business, the company issued commercial prepaid cards, business performance rose steadily. On the basis of finding, studying and studying a lot of data, and combining with the actual development of the third party payment industry, this paper first expounds the concept, characteristics and functions of the third party payment business theoretically. This paper mainly introduces the development course of third-party payment business in China and the development and problems faced by Wuxi SMK Company in the field of third-party payment. Then through the analysis of the external development environment around the macro environment and the industry environment, as well as the analysis of the internal resource ability of the company, it provides a reliable basis for the selection and formulation of the following development strategies; Finally, through SWOT analysis, we find out the strengths, weaknesses, opportunities and threats of Wuxi SMK Company, and then determine the development direction and development strategy of the third-party payment business. It also puts forward specific ways and means to implement the development strategy of third-party payment business in order to make the company have significant advantages and competitiveness in Wuxi market and even in the same industry in China.
【学位授予单位】：东南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.2

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