我国第三方支付的发展历程、现状与趋势研究
发布时间：2018-09-11 17:31
【摘要】：电子支付的兴起是信息化时代最重大的金融服务变革之一，在这一变革过程中，一方面是商业银行纷纷将其列为重要的金融创新方向和业务增长点，另一方面是许多第三方支付机构也纷纷投资运营电子支付平台。经过十多年的迅速发展，第三方支付机构已经成为我国支付服务市场的重要补充力量。基于互联网和移动通信而迅速发展起来的电子支付，不仅改变了传统的生产模式，同时也改变了传统的支付习惯，，成为世界经济新的增长点。现阶段，我国电子支付的发展，所面临的机遇和挑战是并存的。我们要不断创新，创新的同时从中要借鉴国外一些发达国家发展的经验，借鉴各国支付发展的经验，对我国第三方支付的发展起到了导向的作用。 本文主要是根据第三方支付网关种类的表现，分析第三方支付发展历程、发展过程中存在的问题，在国外第三方支付发展现状的基础上，针对国内的不足提出完善的若干借鉴和启示。通过借鉴欧美等国的发展经验，逐渐步入国际第三方支付发展行列中，未来的发展趋势有很大的提升空间，不断创新，预示着信息化发展的优越性，在分析第三方支付行业发展规律和属性的基础上，对我国如何更好的发展第三方支付这个行业起到了前所未有的作用。
[Abstract]:The rise of electronic payment is one of the most important financial service changes in the information age. In this process, commercial banks have listed it as an important direction of financial innovation and business growth point. On the other hand, many third-party payment institutions have also invested in the operation of electronic payment platform. After more than ten years of rapid development, third-party payment institutions have become an important complementary force in our payment service market. The rapid development of electronic payment based on Internet and mobile communication not only changes the traditional production mode, but also changes the traditional payment habits and becomes a new growth point of the world economy. At this stage, the development of electronic payment in China, the opportunities and challenges are coexistence. We should keep innovating, and at the same time, we should learn from the development experience of some developed countries and the experiences of payment development in other countries, which has played a guiding role in the development of third-party payment in China. This article is mainly based on the performance of third-party payment gateway, analyzes the development of third-party payment, the problems in the development process, on the basis of foreign third-party payment development status quo. Aiming at the deficiency of our country, this paper puts forward some references and enlightenment. By drawing lessons from the development experience of Europe and the United States and other countries, step by step into the international third-party payment development, the future development trend has a great room for improvement, continuous innovation, foreshadowing the superiority of the development of information technology. Based on the analysis of the development rules and attributes of the third-party payment industry, it has played an unprecedented role in how to better develop the third-party payment industry in China.
【学位授予单位】：辽宁师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F724.6;F832.2
本文编号：2237376
[Abstract]:The rise of electronic payment is one of the most important financial service changes in the information age. In this process, commercial banks have listed it as an important direction of financial innovation and business growth point. On the other hand, many third-party payment institutions have also invested in the operation of electronic payment platform. After more than ten years of rapid development, third-party payment institutions have become an important complementary force in our payment service market. The rapid development of electronic payment based on Internet and mobile communication not only changes the traditional production mode, but also changes the traditional payment habits and becomes a new growth point of the world economy. At this stage, the development of electronic payment in China, the opportunities and challenges are coexistence. We should keep innovating, and at the same time, we should learn from the development experience of some developed countries and the experiences of payment development in other countries, which has played a guiding role in the development of third-party payment in China. This article is mainly based on the performance of third-party payment gateway, analyzes the development of third-party payment, the problems in the development process, on the basis of foreign third-party payment development status quo. Aiming at the deficiency of our country, this paper puts forward some references and enlightenment. By drawing lessons from the development experience of Europe and the United States and other countries, step by step into the international third-party payment development, the future development trend has a great room for improvement, continuous innovation, foreshadowing the superiority of the development of information technology. Based on the analysis of the development rules and attributes of the third-party payment industry, it has played an unprecedented role in how to better develop the third-party payment industry in China.
【学位授予单位】：辽宁师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F724.6;F832.2
【参考文献】
相关期刊论文 前2条
1 廖敏慧;;第三方支付平台在我国的发展制约因素及对策建议[J];商场现代化;2006年22期
2 许艺真;锡林图雅;;第三方支付平台：金融监管的新问题[J];商业会计;2008年17期
本文编号：2237376
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