基于移动支付的第三方支付行业发展策略研究

发布时间：2018-03-12 22:28

本文选题：产业价值链　切入点：移动支付　出处：《北京化工大学》2013年硕士论文　论文类型：学位论文

【摘要】：近年来随着移动通信业的不断发展，金融支付手段越来越趋于多样化,移动支付正是在移动和金融网络相结合的背景下应运而生。移动支付是指通过手机等移动终端发起交易，完成相关收付款人的货币资金转移的行为，随着近几年来智能手机的普及以及无线通信技术的发展，大量中小商户和个人都具有高效、快捷、安全地的移动支付需求，移动支付业务有着广阔的发展前景。随着中国人民银行《非金融机构支付服务管理办法》的出台以及多批支付牌照的发放，越来越多的非金融第三方支付机构逐步介入移动支付这一新兴领域。本文从产业价值链的理论出发，通过对移动支付的市场、商业模式、发展趋势及对众多国内外经典案例的分析，，挖掘移动支付产业链各方参与者的关注点，重点聚焦非金融第三方支付机构在移动支付领域的战略定位研究，核心是回答三大战略问题： 1.移动支付的市场在哪里？战略价值如何？基本商业模式是什么？发展趋势如何？ 2.在移动支付产业链中，非金融第三方支付机构的核心价值和竞争力是什么？非金融第三方支付机构在其中应该扮演什么样的角色？谁是他们的竞争者，谁是他们的合作者？ 3.为获取持续的核心竞争力，非金融第三方支付机构在移动支付产业中的战略布局是什么？
[Abstract]:In recent years, with the continuous development of mobile communication industry, the means of financial payment are becoming more and more diversified. Mobile payment comes into being in the context of the combination of mobile and financial network. Mobile payment means to initiate transactions through mobile terminals such as mobile phones. With the popularity of smart phones and the development of wireless communication technology in recent years, a large number of small and medium-sized businesses and individuals have the demand for efficient, fast and secure mobile payment. Mobile payment service has a broad development prospects. With the promulgation of the people's Bank of China's "measures on the Administration of payment Services of Non-Financial institutions" and the issuance of multiple payment licences, More and more non-financial third-party payment institutions are gradually involved in the emerging field of mobile payment. Based on the theory of industrial value chain, this paper analyzes the market and business model of mobile payment. The development trend and the analysis of many classic cases at home and abroad, excavate the attention of all parties involved in the mobile payment industry chain, and focus on the strategic positioning of non-financial third-party payment institutions in the field of mobile payment. The core is to answer three strategic questions:. 1. Where is the market for mobile payments? What's the strategic value? What is the basic business model? What's the trend? 2. What are the core values and competitiveness of non-financial third-party payment institutions in the mobile payment industry chain? What role should non-financial third-party payment agencies play? Who are their competitors and who are their collaborators? 3. What is the strategic layout of non-financial third-party payment institutions in the mobile payment industry in order to achieve sustained core competitiveness?
【学位授予单位】：北京化工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F724.6;F626

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