基于银联商务的银行卡收单市场研究

发布时间：2018-05-14 05:15

本文选题：第三方支付 + 银行卡收单　；参考：《天津大学》2014年硕士论文

【摘要】：我国第三方支付产业与国外相比起步较晚、发展历程较短，但是在这十几年的发展历程中发展速度飞快，并迅速改变着人们的生活。由于第三方支付行业属于朝阳行业，很多企业纷纷进入该行业，其中包括电信运营商、银行及其他非金融机构等。国内支付企业之间的竞争趋于白热化，由于市场监管不到位，造成第三方支付市场在银行卡收单市场出现无序竞争。目前混乱的市场环境下，国内企业迫在眉睫的任务，不断推迟符合用户需求的创新产品，这不但有助于提高企业的核心竞争能力，还有助于企业在不正当竞争的市场下保持发展。银联商务作为国内银行卡受理地区最大的第三方支付机构，其主要业务是银行卡收单，，是国内第一批进入支付领域的企业，随着支付行业最近这几年的高速发展，银行卡收单市场的竞争也异常激烈，银联商务也在不断寻找其他的利润增长点，其中包括移动支付、互联网金融、便民支付业务等创新型项目。并且不断寻找自身的短板并加以改进，努力将企业打造城打造国内最大的综合支付提供商。本文主要运用了相关营销理论和一定的文献参考，对第三方支付进行了概述，并结合银联商务自身的具体情况，以及银行卡支付行业的相关研究，对企业的内外部环境及资源状况进行详细分析，并拟定出公司未来的发展策略和营销策略。实现企业的持续、稳定、健康的发展，以便指导这一类的企业从战略的层次上考虑企业未来的发展。
[Abstract]:Compared with foreign countries, China's third party payment industry has a relatively late start and a short course of development. However, it has developed rapidly in the course of the development of the past decade, and rapidly changed people's lives. Since the third party payment industry belongs to the sunrise industry, many enterprises have entered the industry, including telecom operators, banks and other non finance industries. The competition between the domestic payment enterprises tends to be hot. Because the market regulation is not in place, the third party payment market has a disorderly competition in the bank card collection market. Under the current chaotic market environment, the domestic enterprise is imminent to postpone the innovative products that meet the needs of the users, which not only helps to improve the enterprise. The core competitiveness also helps enterprises to maintain their development in the market of unfair competition.
As the largest third party payment institution in China, the main business of UnionPay business is the bank card receipt. It is the first batch of domestic enterprises to enter the payment field. With the rapid development of the recent years in the payment industry, the competition of the bank card receipts market is also extremely fierce, and the UnionPay business is also constantly looking for other profits to increase. Long point, including mobile payment, Internet finance, civilian payment business and other new projects, and constantly looking for its own short board and improving, efforts to build the city to build the largest comprehensive payment provider in the country.
This article mainly uses the related marketing theory and a certain literature reference, summarizes the third party payment, and combines the specific situation of the UnionPay business and the related research of the bank card payment industry, analyzes the internal and external environment and the resource status of the enterprise in detail, and draws up the future development strategy and marketing strategy of the company. To achieve sustained, stable and healthy development of enterprises, so as to guide this kind of enterprises to consider the future development of enterprises from the strategic level.

【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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