建设银行现代支付业务的发展策略研究
发布时间：2018-11-16 16:20
【摘要】：随着全社会电子化与互联网程度的快速提高,支付业务的发展环境及业务模式发生了很大变化。以支付宝、银联商务为代表的第三方支付机构,推出了许多有别于传统的现金支付、刷卡支付或是票据支付等形式的新现代支付手段,如网上快捷支付、手机支付等等,在网络购物以及商户收单领域占据了很大的市场份额。商业银行由原来在支付领域的“一枝独秀”,逐步与其他支付机构等形成竞争,未来可能成为群雄割据的局面。 本文运用金融创新理论、SWOT分析模型及4C理论,以建设银行为研究对象,首先系统回顾了我国现代支付业务的发展历程,对四类典型的现代支付业务表现形式——网络支付、移动支付、OTO支付以及IC卡支付进行梳理,并探讨了现代支付业务的发展趋势；其次,深入分析了建设银行推出的现代支付产品,与第三方支付机构进行了对比,指出建行现代支付业务存在的优势和劣势,以及面临的机遇与威胁。在此基础上,本文进一步提出了建设银行发展现代支付业务的策略是：围绕现代支付业务的核心本质,按照先易后难,循序渐进的步骤,采取“发挥比较优势,打造重点支付产品；抓住机遇,以市场需求作为支付产品的创新导向；弥补不足,提升支付产品竞争力以及更新管理模式,提高支付服务效率”等四大发展策略,提供优质、便捷、高效的支付服务,满足市场多样化、个性化的消费需求,以便在未来中国支付业务领域的竞争中立于不败之地。
[Abstract]:With the rapid development of the whole society and the Internet, the development environment and business mode of payment business have changed a lot. The third-party payment organizations, represented by Alipay and UnionPay Commerce, have introduced many new modern payment methods, such as quick online payment, mobile phone payment and so on, which are different from the traditional cash payment, credit card payment or bill payment. In the area of online shopping and merchants to receive orders to occupy a large market share. The commercial banks have gradually formed competition with other payment organizations from the original "outstandings" in the field of payment, which may become a situation of separation of power and power in the future. With the help of financial innovation theory, SWOT analysis model and 4C theory, this paper takes China Construction Bank as the research object. Firstly, this paper systematically reviews the development of modern payment business in China, and makes a systematic review of four typical forms of modern payment business-network payment. Mobile payment, OTO payment and IC card payment are combed, and the development trend of modern payment service is discussed. Secondly, the paper analyzes the modern payment products launched by CCB, compares them with the third-party payment organizations, and points out the advantages and disadvantages of CCB's modern payment business, as well as the opportunities and threats it faces. On this basis, this paper further puts forward the strategy of development of modern payment business in China Construction Bank: according to the core essence of modern payment business, according to the steps of "easy before difficult, step by step", take "giving play to comparative advantage," Create key payment products; Seize the opportunity and take the market demand as the innovation direction of payment products; To make up for the shortage, to improve the competitiveness of payment products, to update the management mode, to improve the efficiency of payment services, to provide high-quality, convenient and efficient payment services, and to meet the diversified and personalized consumer demand of the market, In order to the future of the Chinese payment business in the field of competition in an invincible position.
【学位授予单位】：厦门大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2
[Abstract]:With the rapid development of the whole society and the Internet, the development environment and business mode of payment business have changed a lot. The third-party payment organizations, represented by Alipay and UnionPay Commerce, have introduced many new modern payment methods, such as quick online payment, mobile phone payment and so on, which are different from the traditional cash payment, credit card payment or bill payment. In the area of online shopping and merchants to receive orders to occupy a large market share. The commercial banks have gradually formed competition with other payment organizations from the original "outstandings" in the field of payment, which may become a situation of separation of power and power in the future. With the help of financial innovation theory, SWOT analysis model and 4C theory, this paper takes China Construction Bank as the research object. Firstly, this paper systematically reviews the development of modern payment business in China, and makes a systematic review of four typical forms of modern payment business-network payment. Mobile payment, OTO payment and IC card payment are combed, and the development trend of modern payment service is discussed. Secondly, the paper analyzes the modern payment products launched by CCB, compares them with the third-party payment organizations, and points out the advantages and disadvantages of CCB's modern payment business, as well as the opportunities and threats it faces. On this basis, this paper further puts forward the strategy of development of modern payment business in China Construction Bank: according to the core essence of modern payment business, according to the steps of "easy before difficult, step by step", take "giving play to comparative advantage," Create key payment products; Seize the opportunity and take the market demand as the innovation direction of payment products; To make up for the shortage, to improve the competitiveness of payment products, to update the management mode, to improve the efficiency of payment services, to provide high-quality, convenient and efficient payment services, and to meet the diversified and personalized consumer demand of the market, In order to the future of the Chinese payment business in the field of competition in an invincible position.
【学位授予单位】：厦门大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2
【参考文献】
相关期刊论文 前10条
1 杨锦凤;;电子支付行业的发展趋势[J];科技和产业;2010年03期
2 许乾鹏;朱春雪;袁s，
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