第三方支付存在的問題及對(duì)策研究

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目 錄
第一章 緒論 1
1.1 引言 1
1.2 研究現(xiàn)狀 1
第二章 第三方支付概述 2
2.1 第三方支付的定義 2
2.2 第三方支付的類型 2
2.2.1 獨(dú)立的第三方支付 2
2.2.2 有電子交易平臺(tái)且具備擔(dān)保功能的第三方支付 3
2.2.3 有電子商務(wù)平臺(tái)的第三方支付 3
2.3 第三方支付的支付流程 4
2.4 第三方支付的發(fā)展歷程 4
2.4.1 早期發(fā)展階段：無奈、謹(jǐn)慎的選擇 4
2.4.2 中期發(fā)展階段：選擇低成本服務(wù)的短期目標(biāo) 5
2.4.3 未來發(fā)展階段：服務(wù)自身的長期商業(yè)戰(zhàn)略 5
第三章 國內(nèi)第三方支付平臺(tái)的現(xiàn)狀分析 6
3.1 第三方支付現(xiàn)狀介紹 6
3.2第三方平臺(tái)案例分析 7
3.3第三方支付平臺(tái)的優(yōu)勢和不足 9
第四章 第三方支付存在的問題 11
4.1 行業(yè)內(nèi)競爭激烈 11
4.2 與商業(yè)銀行存在競爭關(guān)系 11
4.3 用戶隱私安全成患 12
4.4 法律監(jiān)督與金融監(jiān)控體制不明 13
第五章 國內(nèi)外第三方支付平臺(tái)的成功案例分析 15
5.1 PayPal——全球最大的第三方支付平臺(tái) 15
5.1.1 PayPal的基本情況 15
5.1.2 PayPal的發(fā)展特色 15
5.2 支付寶——國內(nèi)最大的第三方支付平臺(tái) 16
5.2.1 支付寶的基本情況 16
5.2.2 支付寶的發(fā)展特色 17
5.3 PayPal與支付寶的成功啟示 18
5.3.1 經(jīng)營模式 18
5.3.2 贏利模式 19
5.3.3 安全性 19
第六章 規(guī)范第三方支付市場的幾點(diǎn)建議 21
6.1 進(jìn)一步強(qiáng)化細(xì)分市場 21
6.2 完善相關(guān)的法律法規(guī) 22
6.3 建立以人民銀行為中心的第三方監(jiān)管體系 22
結(jié)論 24
致謝 25
參考文獻(xiàn) 26

摘要：網(wǎng)上支付是整個(gè)電子商務(wù)產(chǎn)業(yè)鏈中的核心環(huán)節(jié)，也是電子商務(wù)得以順利發(fā)展的基礎(chǔ)條件?；诰W(wǎng)上支付的特點(diǎn)而產(chǎn)生的第三方支付，通過其支付平臺(tái)在買家、賣家和銀行之間建立連接，起到信用擔(dān)保和技術(shù)保障作用，實(shí)現(xiàn)貨幣支付、資金流轉(zhuǎn)、資金結(jié)算等功能，第三方支付更是以其方便、快捷、安全、業(yè)務(wù)全面、服務(wù)周到而受到用戶的廣泛支持。近年來，我國第三方支付市場呈現(xiàn)出勃勃的發(fā)展生機(jī)，已然成為了電子商務(wù)產(chǎn)業(yè)的佼佼者。
然而，迅速發(fā)展的第三方支付產(chǎn)業(yè)也面臨著許多的困境，本文將其歸結(jié)為四點(diǎn)：行業(yè)內(nèi)競爭激烈，由于缺乏市場準(zhǔn)入規(guī)范，眾多小型支付平臺(tái)進(jìn)入市場并且進(jìn)行著同質(zhì)化的低端競爭，降低了整個(gè)行業(yè)的利潤；第三方支付的資金流動(dòng)依賴于商業(yè)銀行，卻又與其網(wǎng)上銀行業(yè)務(wù)產(chǎn)生重疊，在與銀行制定協(xié)議時(shí)頗為尷尬；所有網(wǎng)上支付的共同問題——用戶隱私安全問題，第三方支付的安全技術(shù)是否過關(guān)直接影響著用戶對(duì)于第三方支付的信心；相關(guān)法律監(jiān)督、金融監(jiān)控體制的不完善，導(dǎo)致了第三方支付市場的混亂，消極影響滲入到了第三方支付的各個(gè)方面。
由此，本文希望在吸收其他專家的建議后以及通過對(duì)國內(nèi)外各個(gè)成功案例的分析中，得出針對(duì)上述困境的解決方案，包括：進(jìn)一步強(qiáng)化細(xì)分市場，完善相關(guān)的法律法規(guī)，建立以人民銀行為中心的第三方監(jiān)管體系三個(gè)部分。

關(guān)鍵詞：第三方支付 網(wǎng)上銀行 平臺(tái)安全技術(shù)


RESEARCH ON THE DEVELOPMENT OF THIRD-PARTY PAYMENT IN CHINA

ABSTRACT：On-line payment is not only the key link in the whole industrial chain of e-commerce, but also a fundamental condition of the smooth development of e-commerce. Third-party payment, which is built based on the features of on-line payment, sets up connections between buyers, sellers and commercial banks. Third-party payment takes responsibility of credit guarantee and technical support and achieves functions like monetary payments, cash flow, settlement funds and so on. Third-party payment is widely welcomed by users for its convenience, time-saving, safe, all-around products and good services. In recent years, the market of third-party payment in our country shows the development of exuberant vitality, which makes third-party payment becomes the leader of e-commerce industry.
However, the industry of third-party payment which is developing swiftly is also facing many difficulties. This paper sums up four points according to these difficulties. Firstly, competition in the industry is fierce. Because of lacking admitting standards, many small third-party payment platforms rush into the industry and fight low-level competitions which lower profits of the whole industry Secondly, on one hand, cash flow of third-party payment rely on commercial banks, on the other hand, third-party payment overlaps the on-line bank of commercial banks. This phenomenon makes platforms in dilemma when making agreement with banks. Thirdly, third-party has the same problem with all on-line payment, which is privacy security problem of users. Whether the security technology of third-party payment meets requirements or not will have direct influence in the confidence of users. Fourthly, relevant legal supervision and financial monitoring is far from complete, which lead to the disorder condition of the market of third-party payment. And the negative impact infiltrates all parts of third-party payment.
Therefore, this paper is hoped to give some solutions to the above four problems after absorbing different suggestions of other experts and scholars and through analyzing various succeed cases at home and abroad. It also includes three parts, which is further strengthening market segments,improving relevant laws and regulations,establishing the People's Bank as the center of a third-party monitoring system.

Key words: third-party payment on-line bank platform ..