建设银行湖南省分行第三方支付业务发展研究

发布时间：2019-06-28 17:48

【摘要】：电子商务交易模式，代表着未来贸易方式的发展方向。电子商务的应用和推广给社会和经济发展带来巨大变革，电子商务已经成为全球经济最具活力的增长点。第三方支付是电子商务迅猛发展的产物。没有结算职能的非银行第三方支付服务商主导了目前的第三方支付市场，并为其带来大量的沉淀资金；而具有结算职能的商业银行反而成了第三方支付服务商的配角。随着电子商务及第三方支付市场持续发展所带来的巨大商机，商业银行不应满足于仅提供结算服务的依附性角色，应建设自己的电子商务、第三方支付平台，进入电子商务的主战场，为客户提供包括第三方支付在内的综合化服务。本文首先介绍了第三方支付发展的内涵及运作模式，包括第三方支付的起源、概念及商业运作模式，推动第三方支付发展的重要因素及其所涉及的支付平台、信誉评级、交易信息发布与撮合、风险控制等内容，，对商业银行参与第三方支付的竞争力优劣势进行了系统分析。结合建设银行湖南省分行第三方支付业务发展现状，分析了国内目前电子商务发展情况、第三方支付发展及商业银行参与第三方支付业务的格局，在此基础上对建行湖南分行第三方支付业务现状及问题进行了对比分析。通过对国外商业银行开展第三方支付业务情况分析可知，国外商业银行参与三方支付业务的程度和特点与政府的政策支持和国家法律规范密切相关。在现阶段面临的现实环境下，建设银行湖南省分行应从在线支付与线下支付两方面入手，按照“泛在、跨界”的策略思路，逐步建立独具该行特色、与商业银行职能相关的电子商务交易平台，以该行卓越品牌为依托，以第三方支付平台为手段，深化客户细分市场，为该行客户的网络交易需求提供综合信息发布、交易撮合、第三方支付、网络信贷等全面的商业延伸、增值服务，并使其成为该行为客户提供综合化服务的新产品、新平台、新手段，成为新的利润增长来源。
[Abstract]:E-commerce transaction mode represents the development direction of future trade mode. The application and promotion of electronic commerce has brought great changes to social and economic development. E-commerce has become the most dynamic growth point of the global economy. Third-party payment is the product of the rapid development of electronic commerce. Non-bank third-party payment service providers without settlement function dominate the current third-party payment market and bring a lot of precipitated funds to them, while commercial banks with settlement function have become the supporting role of third-party payment service providers. With the huge business opportunities brought by the sustainable development of e-commerce and the third-party payment market, commercial banks should not be satisfied with the dependent role of only providing settlement services, but should build their own e-commerce, third-party payment platform, enter the main battlefield of e-commerce, and provide customers with integrated services, including third-party payment. This paper first introduces the connotation and operation mode of the development of third-party payment, including the origin, concept and commercial operation mode of third-party payment, the important factors to promote the development of third-party payment and its related payment platform, reputation rating, transaction information release and matchmaking, risk control and so on, and makes a systematic analysis of the advantages and disadvantages of commercial banks participating in third-party payment. Combined with the present situation of the development of third party payment business in Hunan Branch of Construction Bank, this paper analyzes the current development of electronic commerce in China, the development of third party payment and the pattern of commercial banks participating in third party payment business. On this basis, the present situation and problems of third party payment business in Hunan Branch of CCB are compared and analyzed. Through the analysis of the third party payment business of foreign commercial banks, it can be seen that the degree and characteristics of foreign commercial banks participating in tripartite payment business are closely related to the policy support of the government and the national legal norms. Under the realistic environment faced at this stage, China Construction Bank Hunan Branch should start from two aspects: online payment and offline payment, and gradually establish an e-commerce trading platform with its own characteristics, related to the functions of commercial banks, relying on the bank's outstanding brand and taking the third-party payment platform as a means to deepen customer market segmentation, in accordance with the strategic thinking of "ubiquitous and cross-border". To provide comprehensive information release, dealmaking, third-party payment, online credit and other comprehensive business extension, value-added services for the bank's customers' online transaction demand, and make it become a new product, new platform, new means for the bank to provide integrated services to customers, and become a new source of profit growth.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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