“工银e支付”产品分析报告
发布时间：2018-10-23 20:45
【摘要】：随着4G网络的全面普及,移动支付的应用范围变得越来越广阔,支付场景逐渐覆盖生活的方方面面。虽然在国外移动支付技术已经发展的比较成熟,但是中国的移动支付却是前几年才发展起来,近几年速度猛增的。由于主导者不同,致使中国移动支付产业在发展进程中出现了三种不同的模式,分别为以手机移动运营商、商业银行以及第三方支付平台为代表的商业运作模式模式。以哪种模式作为我国移动支付发展的模式关系到整个产业链的利益分配,所以,商业银行高度重视移动支付发展的机会,积极投入战场,充分发挥自身的资源优势和先进的移动技术,但是商业银行仍然不能在这场战役中处于领先位置,为了使商业银行在发展移动支付业务过程中,超越其它竞争者,不断发扬优点,改善缺点。本文以工商银行的e支付产品为对象,研究了商业银行的移动支付业务。工商银行拥有雄厚的资本、较强的盈利能力和风险控制体系,其作为“宇宙行”,其推出的产品可以作为商业银行移动支付业务的代表。因此本文针对“工银e支付”产品进行了细致分析,旨在为“工银e支付”的进一步完善提出参考意见,并为银行类移动支付产品在移动支付领域提升竞争力贡献一份力量。本文从所研究问题的背景和意义出发,介绍了国内移动支付业务的发展情况,紧接着着重介绍了工行“工银e支付”产品的的发展背景及产品内容,包括注册流程、支付流程、产品特点及具体的使用规则。在分析中,与中国移动支付领域的代表性产品“支付宝”进行了比较,发现“工银e支付”产品的优点和缺点,结合国外移动支付业务的发展及对我国的借鉴意义,归纳总结出完善“工银e支付”的建议。本文使用了经验借鉴法、对比分析法等研究方法。通过经验借鉴法,引入了国外发展移动支付的经验。通过对比分析法,分析出“工银e支付”的优缺点,即身份认证太简单;使用人群广泛性不足;创新性不足;合作意识较弱;体系不完善。在借鉴国外移动支付发展经验的基础上,结合本产品的分析结果,本文认为完善“工银e支付”应该做到以下几点:维护客户资金安全;提升客户支付体验;积累商户和客户资源;加强产品创新;加强多方合作;完善支付功能。
[Abstract]:With the popularity of 4G network, the application of mobile payment has become more and more extensive, payment scenarios gradually cover all aspects of life. Although mobile payment technology has been developed in foreign countries, mobile payment in China has developed only a few years ago, and the speed of mobile payment has increased rapidly in recent years. Because of the different leaders, there are three different modes in the development of China Mobile payment industry, which are represented by mobile phone operators, commercial banks and third-party payment platforms. Which mode of mobile payment development in our country is related to the benefit distribution of the whole industry chain, therefore, commercial banks attach great importance to the opportunity of mobile payment development and actively put into the battlefield. Give full play to their own advantages of resources and advanced mobile technology, but commercial banks are still unable to take the lead in this campaign. In order to enable commercial banks to surpass other competitors in the development of mobile payment business, Continue to develop the advantages and improve the shortcomings. In this paper, the e-payment products of ICBC are taken as the object, and the mobile payment service of commercial banks is studied. ICBC has a strong capital, strong profitability and risk control system. As a "Cosmos", ICBC's products can be used as the representative of commercial bank mobile payment business. Therefore, this paper makes a detailed analysis on the products of "Industrial Bank e payment", in order to provide reference for the further improvement of "Industrial Bank e payment" and to contribute to the promotion of competitiveness of bank mobile payment products in the field of mobile payment. Based on the background and significance of the research, this paper introduces the development of domestic mobile payment service, and then focuses on the development background and product content of ICBC's "Industrial Bank of China e payment" product, including registration process, payment process, etc. Product characteristics and specific usage rules. In the analysis, compared with the representative product "Alipay" in China Mobile payment field, we found the advantages and disadvantages of the product, combined with the development of foreign mobile payment business and the significance of reference to our country. Summed up and summed up the proposal to improve the "Industrial Bank e payment". In this paper, the empirical method, comparative analysis and other research methods are used. This paper introduces the experience of developing mobile payment in foreign countries by using the method of experience for reference. By means of comparative analysis, the advantages and disadvantages of "Industrial Bank e payment" are analyzed, that is, identity authentication is too simple, the use of people is inadequate, the innovation is insufficient, the consciousness of cooperation is weak, and the system is not perfect. Based on the experience of mobile payment development in foreign countries and the analysis results of this product, this paper believes that the following points should be done to perfect the "Industrial Bank e payment": to maintain the security of customer funds, to enhance customer payment experience, and to improve the performance of mobile payment. Accumulate merchant and customer resources; strengthen product innovation; strengthen multi-party cooperation; perfect payment function.
【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2
，
本文编号：2290416
[Abstract]:With the popularity of 4G network, the application of mobile payment has become more and more extensive, payment scenarios gradually cover all aspects of life. Although mobile payment technology has been developed in foreign countries, mobile payment in China has developed only a few years ago, and the speed of mobile payment has increased rapidly in recent years. Because of the different leaders, there are three different modes in the development of China Mobile payment industry, which are represented by mobile phone operators, commercial banks and third-party payment platforms. Which mode of mobile payment development in our country is related to the benefit distribution of the whole industry chain, therefore, commercial banks attach great importance to the opportunity of mobile payment development and actively put into the battlefield. Give full play to their own advantages of resources and advanced mobile technology, but commercial banks are still unable to take the lead in this campaign. In order to enable commercial banks to surpass other competitors in the development of mobile payment business, Continue to develop the advantages and improve the shortcomings. In this paper, the e-payment products of ICBC are taken as the object, and the mobile payment service of commercial banks is studied. ICBC has a strong capital, strong profitability and risk control system. As a "Cosmos", ICBC's products can be used as the representative of commercial bank mobile payment business. Therefore, this paper makes a detailed analysis on the products of "Industrial Bank e payment", in order to provide reference for the further improvement of "Industrial Bank e payment" and to contribute to the promotion of competitiveness of bank mobile payment products in the field of mobile payment. Based on the background and significance of the research, this paper introduces the development of domestic mobile payment service, and then focuses on the development background and product content of ICBC's "Industrial Bank of China e payment" product, including registration process, payment process, etc. Product characteristics and specific usage rules. In the analysis, compared with the representative product "Alipay" in China Mobile payment field, we found the advantages and disadvantages of the product, combined with the development of foreign mobile payment business and the significance of reference to our country. Summed up and summed up the proposal to improve the "Industrial Bank e payment". In this paper, the empirical method, comparative analysis and other research methods are used. This paper introduces the experience of developing mobile payment in foreign countries by using the method of experience for reference. By means of comparative analysis, the advantages and disadvantages of "Industrial Bank e payment" are analyzed, that is, identity authentication is too simple, the use of people is inadequate, the innovation is insufficient, the consciousness of cooperation is weak, and the system is not perfect. Based on the experience of mobile payment development in foreign countries and the analysis results of this product, this paper believes that the following points should be done to perfect the "Industrial Bank e payment": to maintain the security of customer funds, to enhance customer payment experience, and to improve the performance of mobile payment. Accumulate merchant and customer resources; strengthen product innovation; strengthen multi-party cooperation; perfect payment function.
【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2
，
本文编号：2290416
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