MM商业银行云南分行电子支付业务发展策略

发布时间：2018-12-14 21:09

【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电子支付手段,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。因此,为了提升MM商业银行云南分行的竞争力,本文对MM商业银行云南分行电子支付业务进行分析。本文首先系统回顾了我国电子支付业务的发展历程,对四类典型的电子支付业务表现形式——网络支付、移动支付、OTO支付以及IC卡支付进行梳理,并探讨了电子支付业务的发展趋势；其次,深入分析了MM商业银行云南分行推出的电子支付产品,与第三方支付机构进行了对比,指出MM商业银行云南分行电子支付业务存在的问题。进而提出了MM商业银行云南分行发展电子支付业务的策略。期望能够为MM商业银行云南分行的健康发展贡献微薄之力。
[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 electronic means of payment, 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. Commercial banks are gradually competing with other payment institutions, which may become a situation of separation in the future. Therefore, in order to enhance the competitiveness of Yunnan Branch of MM Commercial Bank, this paper analyzes the electronic payment business of Yunnan Branch of MM Commercial Bank. Firstly, this paper systematically reviews the development of electronic payment service in China, and combs four typical forms of electronic payment service, namely, network payment, mobile payment, OTO payment and IC card payment. The development trend of electronic payment service is also discussed. Secondly, this paper analyzes the electronic payment products introduced by Yunnan Branch of MM Commercial Bank, compares them with the third party payment organizations, and points out the problems existing in the electronic payment business of Yunnan Branch of MM Commercial Bank. Then put forward the MM commercial bank Yunnan Branch to develop electronic payment business strategy. Expect to contribute to the healthy development of MM Commercial Bank Yunnan Branch.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2;F724.6

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