多用途预付卡企业盈利模式研究

发布时间：2018-07-28 17:16

【摘要】：随着《非金融机构支付服务管理办法》、《支付机构客户备付金存管办法》等一系列支付机构政策的出台,多用途预付卡企业进入监管时代。未获得支付牌照的多用途预付卡企业因政策方面的原因不得不停止发卡业务并逐渐退出多用途预付卡市场或是被已获牌照的多用途预付卡企业收购兼并,而已获得支付牌照的多用途预付卡企业则面临着巨大的生存压力。因此,多用途预付卡企业在迎来机遇的同时也面临着巨大的挑战,如何在现有的盈利模式基础上探索创新寻求新的盈利点,并实现产品升值和产业升级,保证企业的良性运转,成为多用途预付卡企业亟待解决的问题。多用途预付卡企业的创新盈利模式设计为：进行商户与客户的深度拓展,提升产品价值的同时增加盈利；与传统金融体系合作共赢；以线上业务为支撑,促进支付大融合；为其他机构提供代发卡业务和系统服务业务；充分利用自有资源创收。1)商户和客户是多用途预付卡企业盈利的基本源泉。优质的商户能够吸引大量的客户群体,而客户群体的不断增加能够带动商户客流的增加,两者相辅相成,相互推动带来企业佣金收入和资金沉淀收入的增加。2)传统金融体系是多用途预付卡企业的有力帮手,与其合作可以获得渠道资源和广告宣传,能够使企业实现快速扩张,销量翻倍。金融产品的合作更是企业增加收入的重要途径。3)线上支付业务能够为预付卡企业提供更为广阔的空间,不仅能够为其提供更多的商户,也可提供更为丰富的产品,使预付卡业务和支付业务相互融合,实现盈利的目标。4)多用途预付卡企业具有完善的发卡系统和管理体系,可以为其他机构提供代发卡业务和系统服务业务。5)多用途预付卡企业有多种渠道和有价值的商业信息,可以充分合理利用这些资源来创收。未来,多用途预付卡企业在实现创新盈利模式时,一要提高团队素质,提高服务水平,夯实企业基本功；二要时刻向行业标杆企业学习,吸取精华并为我所用；三要关注国家政策的变动,迅速捕捉政策动向；四是要跟上客户需求的步伐,寻求合作,不断创新。
[Abstract]:With the introduction of a series of payment institution policies, such as "Non-financial institution payment service management method", "payment institution customer reserve deposit management method" and so on, multi-purpose prepayment card enterprises have entered the era of supervision. For reasons of policy, multi-purpose prepaid card enterprises that have not obtained payment licences have to stop issuing cards and gradually withdraw from the multi-purpose prepaid card market or be acquired and annexed by licensed multi-purpose prepaid card enterprises. The multi-purpose prepaid card enterprises that have already obtained the payment license are facing the enormous survival pressure. Therefore, the multi-purpose prepaid card enterprises are facing great challenges while facing the opportunity. How to explore and innovate on the basis of the existing profit model to seek new profit points, and to realize product appreciation and industrial upgrading to ensure the benign operation of the enterprise. It has become an urgent problem for multi-purpose prepaid card enterprises. The innovative profit model of multi-purpose prepaid card enterprises is designed as follows: to expand the business and customers, to increase the value of products, to cooperate with the traditional financial system, to support the online business, and to promote the integration of payment. To provide forwarder business and system service business to other organizations; to make full use of their own resources to generate income (.1) merchants and customers are the basic source of profit for multi-purpose prepaid card enterprises. High quality merchants can attract a large number of customers, and the continuous increase of customer groups can lead to an increase in the flow of customers, the two complement each other. (II) the traditional financial system is a powerful helper for multi-purpose prepaid card companies, with whom access to channel resources and advertising can be obtained, allowing enterprises to expand rapidly, Sales doubled. The cooperation of financial products is an important way for enterprises to increase their income. 3) On-line payment business can provide a wider space for prepaid card enterprises, not only to provide more merchants, but also to provide richer products. So that prepaid card business and payment business are integrated to achieve the profit goal of .4) Multi-purpose prepaid card enterprises have a sound card issuance system and management system, Multi-purpose prepaid card enterprises have a variety of channels and valuable business information, and can make full and reasonable use of these resources to generate income. In the future, the multi-purpose prepaid card enterprises should improve the quality of the team, improve the service level and consolidate the basic skills of the enterprise when they realize the innovative profit mode, second, they should always learn from the benchmark enterprises of the industry, absorb the essence and use it for us. Third, pay attention to the change of national policy, catch the policy trend quickly; fourth, keep up with the pace of customer demand, seek cooperation, constantly innovate.
【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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