【作者】 王华；

【导师】 徐从才；

【作者基本信息】 南京财经大学 ， 产业经济学， 2010， 硕士

【摘要】 有关电子支付方式问题研究,国内学者很少有将第三方支付平台和电子支付方式优化有效的联系起来,单一的研究第三方支付平台方面的文章比较多,在电子支付方式优化问题研究方面也多是以应用谈应用,很少有从流通创新理论分析的多维视角对网上支付方式优化问题进行分析。笔者借助分析流通组织创新理论的各视角(契约理论,分工理论)、不对称信息等理论来解析为什么选择第三方支付平台能够使得电子支付方式得到优化,也即第三方支付平台的绩效所在,本文的结构如下:第一章是文章的导论部分,包括问题的提出,对研究背景、研究动机和国内外的研究现状,以及本文的创新与不足作了简要的介绍。第二章开始介绍了第三方支付平台的定义及对其性质进行界定,然后通过与以前基于银行网关支付形式的比较来阐释它的产生和发展过程。第三章是第三方支付平台的绩效分析,首先从交易成本,分工理论的角度阐述第三方支付平台存在的必要性,然后作出了第三方支付平台优化电子支付方式的原因分析。为了能够全面的论证这个问题,笔者先以流程图的方法解释了第三方支付平台的运作机制,并从两个方面具体展开论述,包括第三方支付平台对电子支付信用问题比较满意的解决,具体是从契约理论,信息不对称,博弈论等角度进行分析,这就极力证明了第三方支付平台优化电子支付方式的可信性;另一方面还阐述了第三方支付平台优化电子支付方式的安全性技术保障,通过这两个方面也就证实了第三方支付平台能够解决网上支付存在的安全和信用问题,从而优化了电子支付方式。接下来,以支付宝为例,作出了第三方支付平台优化电子支付方式的个案分析,笔者从支付宝的安全运作流程,安全防线,swot分析等方面具体展开论述,此外还介绍了第三方支付平台创新形式典范-移动支付的应用。最后,以第三方支付平台能够节约交易成本和社会成本的的优点来说明其能实现产业链各方共赢局面以及能够对将来网上交易产业发展的效率进行提升。第四章针对第三方支付平台资金沉淀问题以及其在发展过程中遇到的问题提出了相关的对策建议。第五章是本文的结论和展望部分。更多还原

【Abstract】 On electronic payment methods, there are very few Chinese scholars linking the third-party payment platform with optimizing electronic payment methods effectively, articles in the electronic payment method about single study of third-party payment platforms are more, optimization studies were also many applying to talk about applications, very few theoretical analysis introduce the electronic payment optimization problems from the flow of innovative multi-dimensional perspective. I analyze it through the various theories of organizational innovation perspective (contract theory, the division of labor theories), asymmetric information theory to resolve why the third-party payment platform enables optimizing electronic payments, the paper is structured as follows:Chapter I is introductory part of the article, including problems of the proposed ,research background, motivation, study of the status quo home and abroad, as well as the lack and innovation about which this article gave a brief introduction.Chapter II Begin to introduce a third-party payment platform, the definition and to define its nature, and then with the previous bank-based form of payment gateway comparison to explain its emergence and development process.Chapter III is the performance analysis of the third-party payment platform, starting with transaction costs, division of labor theory, perspective and there is the need for third-party payment platform, and then make a third-party payment platform of electronic payment methods for feasibility analysis. To be able to complete demonstration of this issue, the author first used the method flow chart explaining the operation mechanism of third-party payment platform, and from a specific start discusses two aspects, including third-party payment platform for electronic payment more satisfactory solution to credit problems, specifically from the contract theory, asymmetric information, game theory and other point of view, which strongly that a third-party payment platform to optimize the reliability of electronic payment methods; the other hand, also described a third-party payment platform optimize the security of electronic payment methods nature of technical support, through these two aspects also confirmed that a third-party payment platform can solve the existence of a safe online payment and credit problems in order to optimize the electronic payment. Next, taking taobao for example, made case analysis of the third-party payment platform of electronic payment method, the author of the safe operation of the treasure from the payment process, security, defense, swot analysis, discussion regarding the practical start. Finally, using the advantages of third-party payment platform to illustrate its industrial chain of the parties to achieve win-win situation and the ability of future industrial development of online transactions to enhance efficiency.Chapter IV give the credit recommendations dueing to the third-party payment platform sedimentation problems and the data security and regulatory aspects .Chapter V are some of the conclusions and outlook of this article.更多还原