移动支付产业中第三方支付平台与银行的竞合关系研究

发布时间：2017-12-31 22:01

本文关键词：移动支付产业中第三方支付平台与银行的竞合关系研究　出处：《广东外语外贸大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着智能终端的普及，移动支付的发展迎来了突破性的飞跃。第三方支付平台针对移动支付市场，领先推出了各种优惠服务，，银行也开始纷纷布局移动支付市场。然而，移动支付的产业链十分庞大，这就决定了整个产业链的参与者将会远远多于传统的电子支付产业。从上游的技术与方案提供商和设备制造商，以及电信运营商、第三方支付企业、银行卡组织、商业银行在内的移动支付企业，再到下游的商户，他们共同推动着整体产业的发展。产业链的复杂性使得移动支付产业无法由单一企业主导控制，必须依靠各方开放、合作、共赢，才能推动我国移动支付规模化的发展进程，并为业务拓展、产品创新和与国际市场接轨预留出广阔的空间。本文选取了产业链中备受关注的第三方支付平台和银行作为分析对象。伴随着移动支付的普及、相关业务的拓展，两者由从前的合作关系转为合作与竞争并存的关系。本文首先从业务、资金、线下竞争三个方面阐述了第三方支付对银行构成的威胁，然后分析了两者合作的必然性。然后通过三种不同的博弈分析模型，得出要长远发展必须依赖两者共同合作的结论。在本文的最后，笔者提出了对第三方支付企业及银行发展移动支付的建议。
[Abstract]:With the popularity of intelligent terminals, mobile payment development ushered in a breakthrough leap. The third party payment platform for the mobile payment market, leading to launch a variety of preferential services, banks have begun the layout of the mobile payment market. However, the mobile payment industry chain is very large, which determines the whole industry chain will be far more than the participants the electronic payment industry. From the traditional technology of the upstream providers and equipment manufacturers and telecom operators, the third party payment companies, bank card organizations, commercial banks, mobile payment business, to the downstream businesses, they jointly promote the development of the whole industry. Because of the complexity of industrial chain of mobile payment industry is unable to control from a single enterprise leading, must rely on the parties to open, cooperative, win-win situation, in order to promote the development of mobile payment process scale in our country, and for business development, The innovation of the product and the integration with the international market will reserve a wide space.
This paper selects the concern of the industrial chain of the third party payment platform and a bank as the object of analysis. With the popularity of mobile payments, expanding the business, both by the former relationship to relationship between cooperation and competition coexist. Firstly, from the business, capital, line competition three aspects of the third party payment on the banks of the threat, and then analyzes the necessity of cooperation between the two. Then through three different game analysis model, in order to long-term development must depend on both cooperation results. At the end of this paper, the author puts forward the development of mobile payment and bank payment business advice to the third party.

【学位授予单位】：广东外语外贸大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F724.6;F832.2

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