第三方支付发展及其对商业银行影响研究
发布时间：2019-06-10 12:17
【摘要】：随着计算机网络技术的飞速发展,电子商务应用领域不断扩大,电子业务已经深入到人们的日常生活中,最典型的莫过于第三方支付业务的快速成长。在发展初始阶段,商业银行由于网络支付业务上的不足,给第三方支付技术的发展带来有利时机,我国第三方支付技术的发展速度较快,目前已经有多家电子商务公司推出第三方支付业务,较为常见的如支付宝、财付通等,第三方支付技术的发展不仅促进了我国互联网电子商务的全面发展,同时也为电子商务行业带来可观利润。第三方支付经历了多年的迅速发展,如今已经壮大,对商业银行已经产生了不可忽视的影响。对于任一商业银行而说,电子商务业务成为提升银行利润的重要手段,多家银行也将第三方支付技术的研发与推广作为银行主要业务,相继推出了网银转账和在线支付等金融系列产品,并且直接与中小商户对接,开展多方合作,积极应对第三方支付业务发展给其业务经营带来的影响和风险冲击。 本文主要研究第三方支付技术的发展特点与未来发展趋势。进而以支付宝为案例深入的分析了第三方支付业务的发展对我国商业银行的影响,在此基础上对两者的优劣势进行比对,并就两者之间的关系进行了分析与总结,同时以中国建设银行为例就商业银行如何应对第三方支付业务发展的主要措施进行理论分析,指出第三方支付技术对扩展银行业务领域的重要作用,以及第三方支付业务在发展过程中存在的主要问题,同时还对合作中可能存在的风险进行系统分析,为有效降低在线支付业务的风险性,与解决存在的主要问题提供可行性措施,促进第三方支付技术的快速、健康发展。 本文研究的内容可以划分为：第一章绪论,明确本论文的选题缘由、研究背景、意义及目的、论文的研究方法和研究思路、论文的主要研究内容和预计创新点与不足；第二章为第三方支付业务的发展及主要模式比较,首先叙述了第三方支付的内涵、定义和主要特点,其次简述了第三方支付技术的发展规律与发展现状,并对第三方支付技术的未来发展模式进行简要介绍,根据几种常见的第三方支付模式,对比分析了主要模式之间的不同；第三章主要阐述第三方支付发展对商业银行的影响,本章从支付宝的发展特点进行分析,重点研究第三方支付业务对传统银行业务的影响和启示,并深入说明由此给我国商业银行业务经营带来的风险隐患；第四章是商业银行应对第三方支付业务冲击的主要措施,首先叙述了我国商业银行与第三方支付之间的关系,第三方支付与我国商业银行相比各自具备的竞争优势,且在第三方支付发展过程中,我国商业银行是如何采取措施来应对第三方支付业务发展的冲击的,最后以中国建设银行为例进行详细描述我国商业银行的具体应对举措；第五章为研究结论。针对上述的分析进行概括总结,得出本文的研究结论。 本文的研究结论是随着人们需求的不断变化,第三方支付业务的不断发展,监管政策的不断改变,商业银行与第三方支付企业的关系也在发展中不断的变化,随着这种变化第三方支付业务的发展对我国商业银行的影响也不断加深,所以,商业银行必然会在这种影响下改变自己的经营模式,但是商业银行与第三方支付机构并不是敌对的关系,市场经济的繁荣需要借助于电子商务的发展,第三方支付技术与传统银行金融业务的和谐发展是提升市场经济活力的重要手段。第三方支付业务虽然给传统银行业务带来一定冲击,但在竞争的同时更为有利的方式是双方深度合作,这样才有利于整个网络支付市场的发展,随着以后第三方支付市场的不断扩大,只有银行和第三方支付机构双方深度合作,整个市场的健康发展才能得到保障,才能呈现出一个双赢的良好局面。
[Abstract]:With the rapid development of the computer network technology, the application field of e-commerce is expanding, and the electronic business has been deeply into the daily life of people, and the most typical is the rapid growth of the third-party payment service. In the initial stage of development, the development of the third-party payment technology of the commercial bank has brought an advantage to the development of the third-party payment technology due to the shortage of the network payment service, the development speed of the third-party payment technology in China is relatively fast, and a plurality of e-commerce companies have now launched the third-party payment service, The development of third-party payment technology has not only promoted the overall development of Internet e-commerce in our country, but also brought considerable profit to the e-commerce industry. The third-party payment has gone through many years of rapid development, has now expanded, has already produced the non-negligible effect on the commercial bank. As for any commercial bank, the business of e-commerce has become an important means to improve the profits of the bank, and many banks also use the R & D and extension of the third-party payment technology as the main business of the bank, and successively introduced the financial products such as online banking transfer and online payment. And is directly connected with the small and medium-sized merchants to carry out multi-party cooperation, and actively respond to the influence and the risk impact of the third-party payment business development to the business operation. The development of third-party payment technology and the trend of future development are mainly studied in this paper. In this paper, the influence of the third party payment business on the commercial bank of our country is analyzed in the case of Alipay as a case. On this basis, the superiority and disadvantage of the two are compared, and the relation between the two is analyzed and analyzed. This paper, taking China Construction Bank as an example, carries on the theoretical analysis of how the commercial bank should pay the third party to pay the development of the business, and points out the important role of the third party payment technology in the extension banking business, and the main question that the third party pays the business in the development process The paper also makes a systematic analysis of the possible risks in the cooperation, in order to effectively reduce the risk of online payment business and to provide the feasible measures to solve the main problems existing, and to promote the rapid and healthy development of the third party payment technology. The content of this paper can be divided into the first chapter, the reason of the selection of the thesis, the research background, the significance and the purpose, the research method and the research method of the paper, the main research contents and the expected innovation point of the paper. In the second chapter, the development and main mode of third-party payment technology are compared. The connotation, definition and main characteristics of third-party payment technology are described. The development and development of third-party payment technology are briefly described, and the future development model of third-party payment technology is simplified. To introduce, according to several common third-party payment models, the differences between the main modes are compared and analyzed; the third chapter mainly describes the effect of third-party payment on the commercial banks, and this chapter comes from the development characteristics of Alipay. Line analysis, focus on the influence and enlightenment of the third-party payment business on the traditional banking, and further explain the risk hidden danger brought by the business operation of the commercial bank of our country; the fourth chapter is the main part of the commercial bank to pay the third party to pay the business impact First of all, the relationship between China's commercial bank and third-party payment is described, and the third-party payment has the competitive advantage compared with the commercial bank of our country, and in the process of third-party payment, how to take measures to deal with the third-party payment business development In the end, the specific response of China's commercial banks will be described in detail in the case of China Construction Bank as an example, and the fifth chapter is the research. The conclusion is to sum up the above-mentioned analysis to get the research of this paper. The conclusion is that with the changing of people's demand, the development of the third-party payment business and the changing of the regulation policy, the relationship between the commercial bank and the third-party payment enterprise is also in the development With the changing of the development of the third-party payment business, the influence of the development of the third-party payment business on the commercial bank of our country is also deepening, so the commercial bank will inevitably change its operating mode under the influence, but the commercial bank and the third-party payment institution are not The relationship of hostility and the prosperity of market economy need to be developed by means of the development of e-commerce, and the harmonious development of the third-party payment technology and the traditional bank financial business is to improve the vitality of the market economy The third-party payment business has some impact on the traditional banking, but the more favorable way of the competition is the deep cooperation of both parties, so that the whole network can pay the development of the market, and with the later third-party payment market The expansion of both the bank and the third-party payment institution can guarantee the healthy development of the whole market, so as to present a win-win situation.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F734.6;F832.33
本文编号：2496441
[Abstract]:With the rapid development of the computer network technology, the application field of e-commerce is expanding, and the electronic business has been deeply into the daily life of people, and the most typical is the rapid growth of the third-party payment service. In the initial stage of development, the development of the third-party payment technology of the commercial bank has brought an advantage to the development of the third-party payment technology due to the shortage of the network payment service, the development speed of the third-party payment technology in China is relatively fast, and a plurality of e-commerce companies have now launched the third-party payment service, The development of third-party payment technology has not only promoted the overall development of Internet e-commerce in our country, but also brought considerable profit to the e-commerce industry. The third-party payment has gone through many years of rapid development, has now expanded, has already produced the non-negligible effect on the commercial bank. As for any commercial bank, the business of e-commerce has become an important means to improve the profits of the bank, and many banks also use the R & D and extension of the third-party payment technology as the main business of the bank, and successively introduced the financial products such as online banking transfer and online payment. And is directly connected with the small and medium-sized merchants to carry out multi-party cooperation, and actively respond to the influence and the risk impact of the third-party payment business development to the business operation. The development of third-party payment technology and the trend of future development are mainly studied in this paper. In this paper, the influence of the third party payment business on the commercial bank of our country is analyzed in the case of Alipay as a case. On this basis, the superiority and disadvantage of the two are compared, and the relation between the two is analyzed and analyzed. This paper, taking China Construction Bank as an example, carries on the theoretical analysis of how the commercial bank should pay the third party to pay the development of the business, and points out the important role of the third party payment technology in the extension banking business, and the main question that the third party pays the business in the development process The paper also makes a systematic analysis of the possible risks in the cooperation, in order to effectively reduce the risk of online payment business and to provide the feasible measures to solve the main problems existing, and to promote the rapid and healthy development of the third party payment technology. The content of this paper can be divided into the first chapter, the reason of the selection of the thesis, the research background, the significance and the purpose, the research method and the research method of the paper, the main research contents and the expected innovation point of the paper. In the second chapter, the development and main mode of third-party payment technology are compared. The connotation, definition and main characteristics of third-party payment technology are described. The development and development of third-party payment technology are briefly described, and the future development model of third-party payment technology is simplified. To introduce, according to several common third-party payment models, the differences between the main modes are compared and analyzed; the third chapter mainly describes the effect of third-party payment on the commercial banks, and this chapter comes from the development characteristics of Alipay. Line analysis, focus on the influence and enlightenment of the third-party payment business on the traditional banking, and further explain the risk hidden danger brought by the business operation of the commercial bank of our country; the fourth chapter is the main part of the commercial bank to pay the third party to pay the business impact First of all, the relationship between China's commercial bank and third-party payment is described, and the third-party payment has the competitive advantage compared with the commercial bank of our country, and in the process of third-party payment, how to take measures to deal with the third-party payment business development In the end, the specific response of China's commercial banks will be described in detail in the case of China Construction Bank as an example, and the fifth chapter is the research. The conclusion is to sum up the above-mentioned analysis to get the research of this paper. The conclusion is that with the changing of people's demand, the development of the third-party payment business and the changing of the regulation policy, the relationship between the commercial bank and the third-party payment enterprise is also in the development With the changing of the development of the third-party payment business, the influence of the development of the third-party payment business on the commercial bank of our country is also deepening, so the commercial bank will inevitably change its operating mode under the influence, but the commercial bank and the third-party payment institution are not The relationship of hostility and the prosperity of market economy need to be developed by means of the development of e-commerce, and the harmonious development of the third-party payment technology and the traditional bank financial business is to improve the vitality of the market economy The third-party payment business has some impact on the traditional banking, but the more favorable way of the competition is the deep cooperation of both parties, so that the whole network can pay the development of the market, and with the later third-party payment market The expansion of both the bank and the third-party payment institution can guarantee the healthy development of the whole market, so as to present a win-win situation.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F734.6;F832.33
【参考文献】
相关期刊论文 前10条
1 刘成贺;;论我国第三方支付监管的完善[J];毕节学院学报;2011年07期
2 刘凡;刘天威;;第三方支付机构与商业银行在零售支付领域电子支付利益链价值探讨[J];财经界(学术版);2012年04期
3 郁榕睿;;试论我国第三方支付的发展[J];福建行政学院福建经济管理干部学院学报;2007年06期
4 杨茵;;支付机构与商业银行在零售支付领域的竞争与合作[J];南方金融;2011年12期
5 贝为智;;第三方支付平台对商业银行经营的影响与对策[J];区域金融研究;2011年01期
6 刘敏;王琴;;第三方支付发展对商业银行银行卡业务的影响[J];金融会计;2009年05期
7 李莉莎;;论第三方支付的洗钱风险及其法律监管[J];金融与经济;2012年01期
8 汪维良;郑晓晴;;加强网络银行风险管理的思考[J];现代金融;2008年09期
9 王晓光;;论银行与第三方支付的协作发展[J];金融科技时代;2011年02期
10 王青林;陆军;李响;;国内外第三方支付市场发展实践研究[J];金融电子化;2012年07期
，本文编号：2496441
本文链接：https://www.wllwen.com/jingjilunwen/guojijinrong/2496441.html
