我国商业银行拓展移动支付业务的策略研究

发布时间：2018-01-22 15:37

本文关键词： 商业银行支付服务移动金融远程支付近场支付　出处：《南方金融》2017年02期 　论文类型：期刊论文

【摘要】：近年来,随着用户消费方式转变、电子商务以及智能终端发展,我国移动支付持续快速增长,对商业银行支付结算业务创新、发展带来新的机遇和挑战。本文运用SWOT方法,对我国商业银行拓展移动支付业务进行分析,指出商业银行具有客户资源丰富、掌握多条支付渠道、风险管理水平和安全性较高等优势,但也面临着支付产品创新滞后、应用场景偏少、系统操作相对繁琐、客户体验有待改进等不足;移动支付技术快速创新、市场发展潜力大、移动支付基础设施不断完善,为商业银行拓展移动支付业务带来机遇,但同时也面临着相关法律法规尚未完善、客户资源流失、传统支付服务市场竞争加剧的外部环境。为此,商业银行要构建统一支付平台,强化银行清算服务优势;加强风险防控,保障移动支付结算安全;强化移动支付市场主体之间的合作,实现优势互补和共赢;加快移动支付业务创新,提升市场份额。
[Abstract]:In recent years, with the change of consumer consumption mode, e-commerce and the development of intelligent terminals, mobile payment in China continues to grow rapidly, the commercial bank payment settlement business innovation. Development brings new opportunities and challenges. This paper uses SWOT method to analyze the development of mobile payment business in China's commercial banks, and points out that commercial banks have rich customer resources and have access to multiple payment channels. Higher risk management level and security, but also facing payment product innovation lag, less application scenarios, system operation is relatively cumbersome, customer experience needs to be improved. Mobile payment technology rapid innovation, market development potential, mobile payment infrastructure continues to improve, for commercial banks to expand mobile payment business opportunities, but also facing the relevant laws and regulations are not yet perfect. The external environment of the loss of customer resources and the intensification of competition in the traditional payment service market. Therefore, commercial banks should build a unified payment platform and strengthen the advantages of bank clearing services. Strengthen risk prevention and control to ensure mobile payment settlement security; Strengthen the cooperation between the main body of mobile payment market to realize the complementary advantages and win-win; Speed up mobile payment business innovation, enhance market share.
【作者单位】：广发银行;
【分类号】：F832.2;F724.6
【正文快照】： 一、引言移动支付是用户使用移动终端对消费商品、服务进行支付的方式。随着我国4G网络和智能手机的快速普及,支付服务市场参与主体不断增加,支付业务快速向移动端拓展。与此同时,我国移动支付受理环境持续改善、移动支付安全保障水平不断提高,这些因素都有力地促进了移动支付

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