UP公司支付业务竞争战略研究

发布时间：2018-07-15 07:30

【摘要】：近年来银行卡支付行业发展迅速,电子商务无论从受理渠道,还是受理环境都渐渐完善。银行卡支付成为人们日常消费的首选交易形式,银行卡交易笔数和交易金额也逐年攀升。目前,我国的支付行业不再以垄断方式经营,已经逐渐对外开放,各银行、非金融支付机构及互联网支付公司在支付市场的竞争日益激烈。2002年3月UP公司正式成立,成立的最初依托政策支持,公司支付业务取得了较快发展。伴随着金融市场的开放,支付业务监管政策的变化,特约商户定价的降低,行业格局都已更新,UP公司的内、外部环境也发生了剧烈的变化,这些变化是机会,也是竞争和挑战。如何在不断变化的行业现状中,提升自身核心竞争力,成为本文的研究重心。本文按照战略管理的相关理论,根据支付业务行业特点首先介绍了整体宏观环境,依据行业细分市场发展情况如传统收单市场、国际业务市场、互联网支付市场及移动支付市场交易数据,阐述支付行业发展现状。然后,以五力模型为框架分析了UP公司的竞争环境,并通过外部环境评价矩阵进行环境评估,列式公司面临的机遇和挑战。同时,依据UP公司自身经营情况,在行业发展分析的基础上,采用内部因素评价矩阵进行评估,指出内部环境的优势和劣势所在。其次经过SWOT模型的综合评价,制订了三个方面的公司竞争策略,一是从传统业务县乡区域受理、线下受理市场格局、移动互联网业务份额的提升,国际市场的开拓和非接市场改造等多方面维度集中布局,巩固传统市场的同时,出击创新业务市场,提升公司业务竞争力；二是打造全新的产业各方服务体系,同时更新专属行业接入平台,提供不同与产业其他公司的全新业务受理,交易清算和权益服务平台,提升技术竞争力；三是通过联盟积分和钱包产品,整合线下资源,增进机构、商户和持卡人对UP公司支付业务黏性,提升产品竞争力。最后,从组织结构、人力资源管理和财务管理三方面实施公司竞争战略的保障。
[Abstract]:In recent years, the bank card payment industry has developed rapidly. Bank card payment has become the first choice for people's daily consumption, and the number and amount of bank card transactions have increased year by year. At present, the payment industry in our country is no longer operated by monopoly, and has gradually opened to the outside world. The competition among banks, non-financial payment institutions and Internet payment companies in the payment market is becoming increasingly fierce. In March 2002, up Company was formally established. The establishment of the initial relying on policy support, the company has made rapid development of the payment business. With the opening of the financial market, the change of the supervision policy of the payment business, the reduction of the price of the special merchant, the industry pattern has been renewed inside and outside of up Company, and the external environment has also changed dramatically. These changes are opportunities, competitions and challenges. How to improve its core competitiveness in the changing industry situation has become the focus of this paper. According to the relevant theories of strategic management, this paper first introduces the overall macro environment according to the characteristics of the payment business industry, according to the development of the industry subdivision market, such as the traditional order receiving market, the international business market, Internet payment market and mobile payment market transaction data, the status quo of the payment industry. Then, the paper analyzes the competitive environment of up company with the five-force model, and evaluates the environment through the external environment evaluation matrix, and lists the opportunities and challenges faced by the company. At the same time, according to the operating situation of up company, on the basis of industry development analysis, the internal factor evaluation matrix is used to evaluate, and the advantages and disadvantages of internal environment are pointed out. Secondly, through the comprehensive evaluation of SWOT model, three aspects of company competition strategy are formulated. One is to accept the traditional business from the county and township areas, accept the market pattern offline, and enhance the share of mobile Internet business. The development of the international market and the transformation of the non-connected market are concentrated in many dimensions, so as to consolidate the traditional market, and at the same time, to attack the innovative business market and enhance the business competitiveness of the company; second, to create a new service system for all parties in the industry. At the same time, the exclusive industry access platform will be updated to provide new business acceptance, transaction clearing and equity service platforms different from other companies in the industry, to enhance technological competitiveness; third, to integrate offline resources through alliance points and wallet products, Enhance the organization, merchants and cardholders to pay for the company's business viscosity, improve product competitiveness. Finally, the company's competition strategy is guaranteed from three aspects: organizational structure, human resource management and financial management.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F724.6;F832.2

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