某第三方支付公司发展战略研究

发布时间：2018-01-01 04:12

本文关键词：某第三方支付公司发展战略研究　出处：《北京交通大学》2014年硕士论文　论文类型：学位论文

【摘要】：摘要：伴随着全球电子商务的蓬勃发展,电子支付业务也逐渐成为电子商务中不可或缺的环节,特别是2011年中国人民银行颁发《非金融支付管理办法》及《非金融支付牌照》后,第三方支付企业得到了雨后春笋般的快速发展并且第三方支付企业也获得国家认可的支付牌照,这就为第三方支付企业成功进入电子支付市场提供了保障。然而,在中国境内第三方支付企业因为种种原因,发展过程中面临大量支付系统问题和非支付系统问题,尤其是非支付系统问题中的政策问题、信用风险、法律风险、金融风险、监管问题及行业同质化产品竞争,导致了大量第三方支付企业发展出现停滞,严重制约了第三方支付企业的发展。本文首先介绍了第三方支付的概念、第三方支付流程、第三方支付存在的网络安全问题以及对本论文研究过程中使用的战略理论进行简单的描述；再选择以从事第三方支付业务的某第三方支付公司作为研究对象,从支付平台、支付环境、支付风险三个角度阐述某第三方支付公司发展需要面对的外部竞争环境；之后,介绍了该第三方支付公司的产品、市场占有率,然后结合该公司自身的优势、劣势、机会和威胁等因素,全面、系统的分析了该第三方支付公司的内部环境；最后,基于对该第三方支付公司的内、外部环境的综合分析,得出从事第三方支付企业发展过程中面临的问题,继而制定出适合某第三方支付公司的多元化战略、竞争与合作战略、风险控制战略,从而实现对其他从事第三方支付业务的企业具有指导作用。
[Abstract]:Abstract: with the rapid development of global e-commerce, electronic payment business has gradually become an indispensable link in e-commerce, especially in 2011 the people's Bank of Chinese issued "non payment of Financial Management > > and < non license financial payment, third party payment companies are like bamboo shoots after a spring rain of rapid development and the third party payment enterprises obtained the approval of the payment of the license, the third party payment companies successfully entered the electronic payment market has provided a guarantee. However, in the third party payment enterprises within the territory of China because of various reasons, a large number of non payment system payment system problems and problems faced in the development process, especially the non payment policy problem, system problem in credit risk. Legal risk, financial risk, competition of homogeneous products and industry regulatory issues, leading to a large number of third party payment enterprise development stagnation, serious About third parties pay for the development of the enterprise.
This paper firstly introduces the concept of the third party payment, third party payment process, the network security problem of third party payment exists and a brief description of the theory of strategy use in process of this study; and then select a third party in third party payment service payment company as the research object, from the payment payment platform three, pay the perspective of risk on a third party payment company development needs to face the external competitive environment; then, introduces the third party payment company's products, market share, and then combined with the company's own strengths, weaknesses, opportunities and threats and other factors, a comprehensive, systematic analysis of the third party payment company the internal environment; finally, based on the third party payment companies, a comprehensive analysis of the external environment, and concludes that the third party payment companies engaged in the development process of the problem, and then obtained The strategy of diversification, competition and cooperation and risk control suitable for a third party payment company is set up, so as to guide other enterprises engaged in the third party payment business.

【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.39

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