中国第三方网上支付发展研究以支付宝为例(毕业论文)DOC

毕业设计（论文）中国第三方网上支付发展研究—以支付宝为例学院专业年级班别学号学生姓名指导教师年月I摘要当今信息时代，科学技术的迅猛发展，IT人员潜入研究计算机应用技术，使得计算机的应用越来越普遍。网络的发展也促进了电子商务行业的发展，各种电子商务平台不断出现在我们的面前，网络购物的便利性已经得到大众的认可。而随着电子商务行业的快速发展，通过网络进行结算的渠道不再仅仅是传统的银行，传统的银行支付已经无法满足电子商务的发展要求。因此众多第三方网上支付平台应运而生，而在众多第三方支付中，最受人们欢迎的是支付宝，它是在网络购物中网民使用最多的支付方式，是第三方网上支付方式的代表。所以在互联网未来发展相当长的时间内，支付宝都会是热门的话题。本文的目的是在于通过了解第三方网上支付的基本概况，进而了解支付宝的发展现状、遇到的问题、与网上商业银行的竞合关系和央行对支付宝的最新限制政策等，最后是提出支付宝的未来发展策略和分析总结，让我们从各个方面更加了解支付宝的发展概况。关键字：第三方网上支付，支付宝，银行，竞争，合作IIAbstractIntoday'sinformationage,therapiddevelopmentofscienceandtechnology,theITstafftosneakintothecomputerapplicationtechnology,makestheapplicationofthecomputerisbecomingmorecommon.Thedevelopmentofthenetworkalsopromotedthedevelopmentofthee-commerceindustry,allkindsofelectroniccommerceplatformemerginginfrontofus,theconvenienceofonlineshoppinghasbeenrecognizedbythepublic.Butwiththerapiddevelopmentofe-commerceindustry,settlementthroughanetworkofchannelsarenolongerjustthetraditionalbank,thetraditionalbankpaymenthasbeenunabletomeettherequirementsofthedevelopmentofelectroniccommerce.Somanythird-partyonlinepaymentplatformarisesatthehistoricmoment,andinmanythird-partypayment,alipayisthemostpopular,itisoneofthemostInternetusersinthenetworkshoppinguse,istherepresentativeofthethirdpartyonlinepayment.SothedevelopmentofalongtimeinthefutureoftheInternet,paytreasurewillbeahottopic.Thepurposeofthisarticleisthroughunderstandingthebasicsituationofthethirdpartyonlinepayment,andthenunderstandalipaydevelopmentpresentsituation,problems,andonlinecompetitionrelationsofcommercialBanksandthecentralbanktopaytreasuretothelatestrestrictions,etc.,andfinallyputforwardthefuturedevelopmentstrategyofalipayandanalysissummary,letusknowmoreaboutpaytreasurefromallaspectsofdevelopmentsituation.Keywords:ThirdpartyonlinepaymentAlipayCompetitionCooperationIII目录1绪论...................................................................................................................................................11.1题目背景................................................................................................................................11.2研究内容................................................................................................................................12第三方网上支付概述........................................................................................................................22.1第三方网上支付....................................................................................................................22.2第三方网上支付特点及分类................................................................................................22.2.1特点.............................................................................................................................22.2.2分类.............................................................................................................................23支付宝的发展现状............................................................................................................................33.1发展模式.................................................................................................................................33.2发展机遇................................................................................................................................44支付宝发展存在的问题....................................................................................................................54.1法律风险................................................................................................................................54.2监督机制................................................................................................................................55支付宝和网上商业银行的竞合关系................................................................................................65.1支付宝和网上商业银行的竞争关系.....................................................................................65.1.1经营之争.....................................................................................................................65.1.2线上和线下之争.........................................................................................................65.1.3市场之争.....................................................................................................................65.2支付宝和网上商业银行的合作关系.....................................................................................75.2.1合作确保资金安全.....................................................................................................75.2.2合作推出便民服务.....................................................................................................75.2.3合作解决资金沉淀.....................................................................................................75.3央行对支付宝的对策分析....................................................................................................76支付宝未来发展策略........................................................................................................................9结论................................................