神思电子技术股份有限公司支付业务竞争战略研究

发布时间：2018-08-20 08:20

【摘要】：随着科技的进步和社会的发展国内支付行业市场发生了翻天覆地的变化,传统现金支付方式已经逐步被银行卡、微信、支付宝等现代支付模式取代。尤其是近几年信息技术飞速发展,互联网广泛普及,大数据崛起,诸多的利好因素促进了金融市场的发展,现代金融支付已经遍布人们工作、娱乐、生活、学习的方方面面。支付行业展现出广阔的市场前景和巨大的发展潜力。神思电子技术股份有限公司是国内高新技术先进企业,主营业务范围包括便捷支付、移动展业、银医自助、计算机视觉、人工智能等领域。2015年6月神思电子技术股份有限公司登陆创业板之后,基于自身的技术积累和行业经验,深入研究大数据、云计算、人工智能等新兴技术,制定了"从行业深耕到行业贯通、从身份识别到智能认知"的新战略。依据公司战略规划,金融支付业务是公司发展战略中的重点业务之一。本文在基于国内支付行业现状基础上,运用调查法、文献研究法、对比分析法等研究方法对神思电子技术股份有限公司支付业务进行深入分析研究。论文写作中结合自身工作经验通过对支付行业的宏观环境进行PEST模型分析,对神思电子支付业务发展进行SWOT模型分析、波特五力模型分析,明确将神思电子技术股份有限公司支付业务发展方向定位为支付行业的产品供应商、应用软件供商以及支付运营商。最后得出神思电子支付业务的竞争战略:聚焦便捷支付领域,建立独立完善的第三方收单和聚合支付运营体系,加速研发支付行业配套软硬件产品,拓展支付行业增值服务。本文在神思电子技术股份有限公司支付业务竞争战略研究中,针对公司特有资源提出三方面的创新点:首先,"聚合支付"是本文在对国内支付行业发展研究后结合神思电子现状提出的支付业务发展的创新观点,也是未来金融支付行业发展的新趋势。其次,预测随着支付技术的发展和智能识别技术的进步,指静脉支付、人脸支付等生物识别技术将应用于现代支付行业,生物特征将取代现有市场的支付载体成为主流的支付模式。最后创新点是将大数据增值服务应用于便捷支付领域,并纳入神思电子支付业务发展规划中。本文通过分析得出神思电子支付业务的竞争战略并对战略的可行性和实施保障进行论证分析。神思电子支付业务竞争战略的制定和实施为公司在金融行业的深耕奠定了基础,同时论文中对市场现状、行业环境、公司内外部资源的分析也可为公司其他业务的发展提供参考。由于时间和公司信息披露的局限性,本文中针对神思电子支付业务竞争战略的研究主要围绕公司支付业务的重点方案和产品进行的研究,没有能够对公司所有的支付产品进行论证研究,这是本论文的不足之处。
[Abstract]:With the progress of science and technology and the development of society, the domestic payment industry market has changed dramatically. The traditional cash payment mode has been gradually replaced by modern payment modes such as bank card, WeChat, Alipay and so on. Especially in recent years, the rapid development of information technology, the wide spread of the Internet, the rise of big data, a lot of favorable factors to promote the development of financial markets, modern financial payment has spread all aspects of people's work, entertainment, life, learning. Payment industry shows broad market prospects and huge development potential. Shensi Electronic Technology Co., Ltd. is a domestic high-tech advanced enterprises, the main business scope includes convenient payment, mobile exhibition industry, silver medicine self-help, computer vision, Artificial intelligence and other fields. After Shensi Electronics Technology Co., Ltd. landed on the gem in June 2015, based on its own technology accumulation and industry experience, it thoroughly studied emerging technologies such as big data, cloud computing, artificial intelligence, etc. The new strategy of "from industry deep cultivation to industry penetration, from identity recognition to intelligence cognition" was formulated. According to the company's strategic plan, financial payment business is one of the key business in the company's development strategy. Based on the current situation of domestic payment industry, this paper makes a deep analysis and research on the payment business of Shensi Electronic Technology Co., Ltd by means of investigation, literature research and comparative analysis. In this paper, the author analyzes the macro environment of payment industry by PEST model, the development of Shensi electronic payment business by SWOT model and Porter's five-force model. The payment business of Shensi Electronic Technology Co., Ltd. is clearly positioned as the product supplier, application software provider and payment operator in the payment industry. Finally, the competitive strategy of Shensi electronic payment business is obtained: focus on convenient payment field, establish independent and perfect third party receipt and aggregate payment operation system, accelerate research and development of software and hardware products in payment industry, and expand value-added services in payment industry. This paper studies the competitive strategy of payment business in Shensi Electronic Technology Co., Ltd. First, "aggregate payment" is an innovative view of the development of payment business, which is put forward in this paper after researching the development of domestic payment industry, combined with the current situation of Shensi Electronics, and put forward three innovative points of innovation in view of the unique resources of the company. It is also the new trend of the development of the financial payment industry in the future. Secondly, it is predicted that with the development of payment technology and the progress of intelligent recognition technology, biometrics such as venous payment and face payment will be applied to the modern payment industry. Biometrics will replace payment carriers in existing markets as mainstream payment modes. The last innovation is the application of big data value-added service in the field of convenient payment, which is incorporated into the development plan of Shensi Electronic payment Service. In this paper, the competitive strategy of Shensi electronic payment business is obtained, and the feasibility and implementation guarantee of the strategy are demonstrated and analyzed. The establishment and implementation of the competitive strategy of Shensi-Electronic payment has laid a foundation for the company's deep cultivation in the financial industry. At the same time, the paper has discussed the current situation of the market and the environment of the industry. The analysis of internal and external resources can also provide reference for the development of other business. Due to the limitation of time and company information disclosure, the research on the competitive strategy of Shensi electronic payment business is mainly focused on the key schemes and products of the company's payment business. The deficiency of this paper is that there is no demonstration and research on all the payment products of the company.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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