关于第三方支付平台以及互联网金融发展研究
发布时间：2018-08-25 18:45
【摘要】：随着中国利率市场化、汇率市场化和金融管制的放松，我国金融业的改革成为2013年全球关注的大事。而全球历史上重要经济体每一次大的体制变革，往往伴随着重大的金融创新。在此背景下，2013年中国互联网金融的蓬勃发展就更显得格外瞩目。2013年6月13日，第三方支付平台支付宝推出了一种全新的金融服务一一余额宝，作为第一只真正意义上的互联网金融产品，它与天弘基金公司合作，采用较高收益率的方式吸引着大量的用户，将用户手中的零花钱的资金价值发挥到最大，截止到年底规模突破1800万，用户数达到4303万人，这还只是互联网金融的发端。年底双i^一?的网购狂欢节，在仅仅一天之内，第三方支付平台支付宝成交1.7亿笔，成交总额350亿元，比上一年的191亿增长83%。 拥有大数据优势和方便快捷是互联网金融公司的特点，但其快速发展现象背后更深层次的原因则是传统金融公司嫌贫爱富的信用评价体系和中国官僚体制下对民间资本的金融压抑。互联网金融的发展大势已不可阻挡，，传统金融公司不会被完全颠覆，但整个金融行业的格局却会被改变。 本文先从以支付宝为代表的第三方支付平台的发展研宄入手，分析了第三方支付平台的发展现状、优势以及缺陷、第三方平台的经济价值以及发展模式和存在的风险。第三方支付是互联网金融的主链条，是推动互联网金融产生和发展的主要因素。因此本文在对第三方支付平台进行详细的论述之后引出了互联网金融板块，对其形成、分类和运营模式进行了较为详细的论述。在互联网金融对传统金融行业影响分析中，采用定量分析的方法设立了一个线性回归模型对余额宝的规模与传统商业银行利润之间的关系进行了分析。考虑到互联网金融还处于渠道功能的发展阶段，目前现在对商业银行利润的影响还比较小，但随着互联网金融在广度和深度上的发展，本文预测未来对商业银行利润将产生较大的影响，互联网金融逐渐发展壮大还会影响传统商业银行的垄断地位，并且促进直接融资平台的搭建，对整个金融行业格局将产生深远影响。
[Abstract]:With the liberalization of China's interest rate, exchange rate and financial regulation, the reform of China's financial industry has become a major issue of global concern in 2013. Every major institutional change in major economies in global history is often accompanied by major financial innovations. In this context, the booming development of China's Internet finance in 2013 is all the more remarkable. On June 13, 2013, Alipay, a third-party payment platform, launched a new financial service, Yu'e Bao, a new financial service. As the first Internet financial product in the real sense, it works with Tianhong Fund Company to attract a large number of users in the form of higher yield, and to maximize the value of their pocket money. By the end of the year, the scale exceeded 18 million, the number of users reached 43.03 million, this is only the beginning of Internet finance. Double I ^ 1 at the end of the year? Online shopping Carnival, in just one day, the third-party payment platform Alipay 170 million transactions, the total turnover of 35 billion yuan, compared with the previous year's 19.1 billion increase 833. The advantage and convenience of big data are the characteristics of Internet financial companies. However, the deeper reasons behind its rapid development are the credit evaluation system of traditional financial companies, which loathe the poor and the rich, and the financial repression of private capital under the Chinese bureaucratic system. The development of Internet finance is unstoppable, traditional financial companies will not be completely subverted, but the pattern of the whole financial industry will be changed. Starting with the development of the third-party payment platform represented by Alipay, this paper analyzes the present situation, advantages and disadvantages of the third-party payment platform, the economic value of the third-party payment platform, the development model and the existing risks. Third-party payment is the main chain of internet finance and the main factor to promote the emergence and development of internet finance. Therefore, after the detailed discussion of third-party payment platform, this paper leads to the Internet financial sector, and discusses its formation, classification and operation model in detail. In the analysis of the impact of Internet finance on the traditional financial industry, a linear regression model is established to analyze the relationship between the scale of Yu'e Bao and the profits of traditional commercial banks. Considering that Internet finance is still in the development stage of channel function, the impact on commercial banks' profits is still relatively small at present, but with the development of Internet finance in breadth and depth, This paper predicts that the future will have a greater impact on the profits of commercial banks, and that the gradual development of Internet finance will also affect the monopoly position of traditional commercial banks and promote the construction of direct financing platforms. The pattern of the entire financial industry will have a profound impact.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2;F724.6
本文编号：2203772
[Abstract]:With the liberalization of China's interest rate, exchange rate and financial regulation, the reform of China's financial industry has become a major issue of global concern in 2013. Every major institutional change in major economies in global history is often accompanied by major financial innovations. In this context, the booming development of China's Internet finance in 2013 is all the more remarkable. On June 13, 2013, Alipay, a third-party payment platform, launched a new financial service, Yu'e Bao, a new financial service. As the first Internet financial product in the real sense, it works with Tianhong Fund Company to attract a large number of users in the form of higher yield, and to maximize the value of their pocket money. By the end of the year, the scale exceeded 18 million, the number of users reached 43.03 million, this is only the beginning of Internet finance. Double I ^ 1 at the end of the year? Online shopping Carnival, in just one day, the third-party payment platform Alipay 170 million transactions, the total turnover of 35 billion yuan, compared with the previous year's 19.1 billion increase 833. The advantage and convenience of big data are the characteristics of Internet financial companies. However, the deeper reasons behind its rapid development are the credit evaluation system of traditional financial companies, which loathe the poor and the rich, and the financial repression of private capital under the Chinese bureaucratic system. The development of Internet finance is unstoppable, traditional financial companies will not be completely subverted, but the pattern of the whole financial industry will be changed. Starting with the development of the third-party payment platform represented by Alipay, this paper analyzes the present situation, advantages and disadvantages of the third-party payment platform, the economic value of the third-party payment platform, the development model and the existing risks. Third-party payment is the main chain of internet finance and the main factor to promote the emergence and development of internet finance. Therefore, after the detailed discussion of third-party payment platform, this paper leads to the Internet financial sector, and discusses its formation, classification and operation model in detail. In the analysis of the impact of Internet finance on the traditional financial industry, a linear regression model is established to analyze the relationship between the scale of Yu'e Bao and the profits of traditional commercial banks. Considering that Internet finance is still in the development stage of channel function, the impact on commercial banks' profits is still relatively small at present, but with the development of Internet finance in breadth and depth, This paper predicts that the future will have a greater impact on the profits of commercial banks, and that the gradual development of Internet finance will also affect the monopoly position of traditional commercial banks and promote the construction of direct financing platforms. The pattern of the entire financial industry will have a profound impact.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2;F724.6
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