支付产业开放背景下中国银联发展模式研究

发布时间：2018-01-02 12:00

本文关键词：支付产业开放背景下中国银联发展模式研究　出处：《上海交通大学》2012年硕士论文　论文类型：学位论文

【摘要】：中国银联作为中国唯一的银行卡组织,在中国支付产业中处于核心地位。随着产业政策的不断开放,其人民币转接清算的垄断专营终将会被打破,即将面临国内外竞争对手的全面竞争,同时传统的卡组织模式将不能适应电子商务的需要,中国银联的发展面临着严峻的挑战。探索一个全面开放时代新的发展模式,对于中国银联来讲,是一个非常重要而紧迫的课题。本文首先陈述了中国银联的现状和面临的主要问题;接着对中国银联的卡组织模式进行了研究,分析了卡组织模式在电子商务时代面临的危机,对比分析了中国银联的经营能力;研究了支付产业环境的变化及其影响,总结了支付产业变革的主要趋势;然后对中国银联引导的支付产业链进行了研究,分析了各方的需求,归纳了支付产业发展对中国银联的新要求;进一步研究了竞争格局,分析了中国银联的竞争力,探讨了新局面下中国银联与机构的竞合关系。最后在总结卡组织的盈利模式基础上,提出了中国银联的新发展模式,设计了新模式的系统和组织构架,并对如何构建新模式提出了实施方案和推进策略。本文就中国银联未来的发展提出了一个优化的新模式,这个基于新竞合关系而构建的综合支付服务发展模式,将为中国银联应对发展危机提供一个有价值的解决方案。
[Abstract]:China UnionPay, as the only bank card organization in China, is at the core of the payment industry in China. With the continuous opening of industrial policy, the monopoly monopoly of RMB transfer to liquidation will be broken. At the same time, the traditional card organization model will not be able to meet the needs of e-commerce. The development of China UnionPay is faced with severe challenges. To explore a new development model in an all-around open era is of great importance to China UnionPay. It is a very important and urgent issue. Firstly, this paper describes the current situation of China UnionPay and the main problems it faces. Secondly, the paper studies the card organization mode of China UnionPay, analyzes the crisis faced by the card organization mode in the era of electronic commerce, and compares and analyzes the management ability of China UnionPay. The change of payment industry environment and its influence are studied, and the main trend of payment industry reform is summarized. Then the payment industry chain guided by China UnionPay is studied, the demand of all parties is analyzed, and the new requirements of the development of payment industry for China UnionPay are summarized. Further studies the competition pattern, analyzes the competition ability of China UnionPay, probes into the competitive relationship between China UnionPay and institutions under the new situation. Finally, on the basis of summing up the profit model of the card organization. This paper puts forward the new development model of UnionPay, and designs the system and organizational framework of the new model. This paper puts forward an optimized new model for the future development of China UnionPay, a comprehensive payment service development model based on the new competitive relationship. China UnionPay will provide a valuable solution to the development crisis.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F724.6;F832.2

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