基于流程创新的第三方支付增值业务研究

发布时间：2018-05-18 21:08

本文选题：第三方支付 + 增值服务　；参考：《北京交通大学》2014年硕士论文

【摘要】：我国第三方支付市场快速发展,随着产业链的觉醒和资源型企业的大规模进入,市场竞争更加激烈,差异化发展成为行业必然选择。以需求为导向的增值业务将成为行业差异化发展的重点。本论文研究通过文献研究法、实证研究法和比较分析法等研究方法,主要从用户需求和流程创新的角度对第三方支付增值业务进行论述。通过对国内外有关文献进行研究,为全文奠定理论基础；对我国第三方支付产业的发展历程进行概述性研究,全面分析其在金融、营销、财务管理和信用四方面的增值业务需求；对第三方支付基本流程进行全面研究,提出流程创新的策略建议；对基于流程创新的第三方支付增值业务进行实证研究。论文的主要创新点有：首次提出从流程创新的角度对发展第三方支付增值业务进行有关研究；提出了延展支付流程、整合信息流与资金流、融合线上线下流程等第三方支付的流程创新策略；实证研究方面,分别设计出基于流程创新的供应链金融、优惠平台、支企直联和企业信用等级评价四种具体的增值服务的流程实现框架。
[Abstract]:With the rapid development of the third party payment market in China, with the awakening of the industrial chain and the large-scale entry of the resource-based enterprises, the market competition is more intense. The differential development becomes the inevitable choice of the industry. The demand oriented value-added service will be the key to the development of the industry. Compared with the analysis method, this paper mainly discusses the third party payment value-added services from the perspective of user demand and process innovation. Through the research on the relevant documents at home and abroad, it lays a theoretical foundation for the full text, summarizes the development course of the third party payment industry in our country, and analyzes its financial, marketing and financial management in an all-round way. The four aspects of the value-added service demand of credit and credit; a comprehensive study of the basic process of the third party payment and the proposal of the strategy of process innovation; an empirical study of the third party payment value-added services based on process innovation. The main innovations of this paper are as follows: for the first time, the value added industry for the development of third parties from the perspective of process innovation is proposed. Carry on the related research; put forward the extension of payment process, integration of information flow and capital flow, the process innovation strategy of the three party payment, such as line and line, and line and line. In the empirical study, we design four specific value-added services based on the supply chain finance of process innovation, the preferential platform, the support enterprise direct connection and the enterprise credit rating. Process implementation framework.
【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】：F832.2;F724.6

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