收单业务管理模式与市场竞争分析

发布时间：2018-03-03 23:09

本文选题：银行卡收单　切入点：风险管理　出处：《天津大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着我国金融改革的不断深入、金融市场的逐步开放，银行卡产业迅猛发展，电子支付业务的受理渠道、受理环境也正在逐步完善。银行卡消费作为非现金支付方式中，我国消费者使用次数最为频繁的一种方式，其交易额在消费品零售总额中所占比重呈逐年上升的趋势。银行卡产业的发展对于促进消费、减少现金流通、降低交易成本、加强反洗钱、扩大税基、提升国际形象等具有重要意义。与发卡市场相比银行卡受理市场的发展还是相对滞后，同时面临规模扩张和规范管理的双重压力。业内专家认为，应规范银行卡受理市场发展，建立更加专业化的收单机构管理制度，完善银行卡的收益分配机制。目前，中国的银行卡产业已从垄断逐步走向了开放，各家商业银行及收单机构对银行卡市场的竞争日益激烈。价格战的产生，加上监管的乏力，，使得市场存在不少风险隐患，风险管理成了收单业务管理中不可忽视的一方面。本文首先对于收单业务管理模式进行分析，研究收单机构应如何进行管理，建立相应的管理体系。随后对于收单市场中的各竞争机构的优势、劣势进行比较，总结了收单机构面临的威胁、金融政策对于其的影响，并通过两个数学模型从客户端和行业端进行分析，得出简单结论。最后以银联商务天津分公司为例，利用SWOT分析法归纳了其优势、劣势，以及潜在的机遇和威胁，得到适合公司发展的竞争策略。希望通过本文的研究，可以为银联商务天津分公司竞争战略选择提供一定的参考和借鉴。
[Abstract]:With the deepening of China's financial reform, the gradual opening of financial market, the rapid development of bank card industry, the acceptance of electronic payment channels, the environment of acceptance is gradually improved. Bank card consumption as a non-cash payment method, The most frequently used way of consumer in China is the proportion of transaction volume in the total retail sales of consumer goods, which is increasing year by year. The development of bank card industry can promote consumption, reduce cash flow and reduce transaction cost. It is of great significance to strengthen anti-money-laundering, expand the tax base and enhance the international image. Compared with the card issuing market, the development of the bank card acceptance market is still relatively lagging behind, and at the same time it faces the double pressure of scale expansion and standardized management. Industry experts believe that the development of the bank card acceptance market should be standardized. To establish a more professional management system for receiving orders and improve the income distribution mechanism of bank cards. At present, the banking card industry in China has gradually moved from a monopoly to an open market, and the competition between commercial banks and order collection agencies on the bank card market is becoming increasingly fierce. The emergence of the price war, coupled with the lack of supervision and supervision, has made the market have many hidden risks. Risk management has become one of the aspects that can not be ignored in the business management of receiving orders. Firstly, this paper analyzes the management mode of receiving orders, and studies how to manage the business of receiving orders. Then compare the advantages and disadvantages of the competition agencies in the receiving market, sum up the threats faced by the receiving agencies, and the impact of the financial policy on them. Through the analysis of two mathematical models from the client side and the industry end, a simple conclusion is drawn. Finally, taking UnionPay Business Tianjin Branch as an example, the paper summarizes its strengths, weaknesses, and potential opportunities and threats by using SWOT analysis method. Through the research of this paper, we hope to provide some reference and reference for the selection of competitive strategy of UnionPay Business Tianjin Branch.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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