關于第三方支付平臺以及互聯網金融發(fā)展研究
發(fā)布時間：2018-08-25 18:45
【摘要】：隨著中國利率市場化、匯率市場化和金融管制的放松，我國金融業(yè)的改革成為2013年全球關注的大事。而全球歷史上重要經濟體每一次大的體制變革，往往伴隨著重大的金融創(chuàng)新。在此背景下，2013年中國互聯網金融的蓬勃發(fā)展就更顯得格外矚目。2013年6月13日，第三方支付平臺支付寶推出了一種全新的金融服務一一余額寶，作為第一只真正意義上的互聯網金融產品，它與天弘基金公司合作，采用較高收益率的方式吸引著大量的用戶，將用戶手中的零花錢的資金價值發(fā)揮到最大，截止到年底規(guī)模突破1800萬，用戶數達到4303萬人，這還只是互聯網金融的發(fā)端。年底雙i^一?的網購狂歡節(jié)，在僅僅一天之內，第三方支付平臺支付寶成交1.7億筆，成交總額350億元，比上一年的191億增長83%。 擁有大數據優(yōu)勢和方便快捷是互聯網金融公司的特點，但其快速發(fā)展現象背后更深層次的原因則是傳統(tǒng)金融公司嫌貧愛富的信用評價體系和中國官僚體制下對民間資本的金融壓抑。互聯網金融的發(fā)展大勢已不可阻擋，，傳統(tǒng)金融公司不會被完全顛覆，但整個金融行業(yè)的格局卻會被改變。 本文先從以支付寶為代表的第三方支付平臺的發(fā)展研宄入手，分析了第三方支付平臺的發(fā)展現狀、優(yōu)勢以及缺陷、第三方平臺的經濟價值以及發(fā)展模式和存在的風險。第三方支付是互聯網金融的主鏈條，是推動互聯網金融產生和發(fā)展的主要因素。因此本文在對第三方支付平臺進行詳細的論述之后引出了互聯網金融板塊，對其形成、分類和運營模式進行了較為詳細的論述。在互聯網金融對傳統(tǒng)金融行業(yè)影響分析中，采用定量分析的方法設立了一個線性回歸模型對余額寶的規(guī)模與傳統(tǒng)商業(yè)銀行利潤之間的關系進行了分析�？紤]到互聯網金融還處于渠道功能的發(fā)展階段，目前現在對商業(yè)銀行利潤的影響還比較小，但隨著互聯網金融在廣度和深度上的發(fā)展，本文預測未來對商業(yè)銀行利潤將產生較大的影響，互聯網金融逐漸發(fā)展壯大還會影響傳統(tǒng)商業(yè)銀行的壟斷地位，并且促進直接融資平臺的搭建，對整個金融行業(yè)格局將產生深遠影響。
[Abstract]:With the liberalization of China's interest rate, exchange rate and financial regulation, the reform of China's financial industry has become a major issue of global concern in 2013. Every major institutional change in major economies in global history is often accompanied by major financial innovations. In this context, the booming development of China's Internet finance in 2013 is all the more remarkable. On June 13, 2013, Alipay, a third-party payment platform, launched a new financial service, Yu'e Bao, a new financial service. As the first Internet financial product in the real sense, it works with Tianhong Fund Company to attract a large number of users in the form of higher yield, and to maximize the value of their pocket money. By the end of the year, the scale exceeded 18 million, the number of users reached 43.03 million, this is only the beginning of Internet finance. Double I ^ 1 at the end of the year? Online shopping Carnival, in just one day, the third-party payment platform Alipay 170 million transactions, the total turnover of 35 billion yuan, compared with the previous year's 19.1 billion increase 833. The advantage and convenience of big data are the characteristics of Internet financial companies. However, the deeper reasons behind its rapid development are the credit evaluation system of traditional financial companies, which loathe the poor and the rich, and the financial repression of private capital under the Chinese bureaucratic system. The development of Internet finance is unstoppable, traditional financial companies will not be completely subverted, but the pattern of the whole financial industry will be changed. Starting with the development of the third-party payment platform represented by Alipay, this paper analyzes the present situation, advantages and disadvantages of the third-party payment platform, the economic value of the third-party payment platform, the development model and the existing risks. Third-party payment is the main chain of internet finance and the main factor to promote the emergence and development of internet finance. Therefore, after the detailed discussion of third-party payment platform, this paper leads to the Internet financial sector, and discusses its formation, classification and operation model in detail. In the analysis of the impact of Internet finance on the traditional financial industry, a linear regression model is established to analyze the relationship between the scale of Yu'e Bao and the profits of traditional commercial banks. Considering that Internet finance is still in the development stage of channel function, the impact on commercial banks' profits is still relatively small at present, but with the development of Internet finance in breadth and depth, This paper predicts that the future will have a greater impact on the profits of commercial banks, and that the gradual development of Internet finance will also affect the monopoly position of traditional commercial banks and promote the construction of direct financing platforms. The pattern of the entire financial industry will have a profound impact.
【學位授予單位】：山西財經大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.2;F724.6
本文編號：2203772
[Abstract]:With the liberalization of China's interest rate, exchange rate and financial regulation, the reform of China's financial industry has become a major issue of global concern in 2013. Every major institutional change in major economies in global history is often accompanied by major financial innovations. In this context, the booming development of China's Internet finance in 2013 is all the more remarkable. On June 13, 2013, Alipay, a third-party payment platform, launched a new financial service, Yu'e Bao, a new financial service. As the first Internet financial product in the real sense, it works with Tianhong Fund Company to attract a large number of users in the form of higher yield, and to maximize the value of their pocket money. By the end of the year, the scale exceeded 18 million, the number of users reached 43.03 million, this is only the beginning of Internet finance. Double I ^ 1 at the end of the year? Online shopping Carnival, in just one day, the third-party payment platform Alipay 170 million transactions, the total turnover of 35 billion yuan, compared with the previous year's 19.1 billion increase 833. The advantage and convenience of big data are the characteristics of Internet financial companies. However, the deeper reasons behind its rapid development are the credit evaluation system of traditional financial companies, which loathe the poor and the rich, and the financial repression of private capital under the Chinese bureaucratic system. The development of Internet finance is unstoppable, traditional financial companies will not be completely subverted, but the pattern of the whole financial industry will be changed. Starting with the development of the third-party payment platform represented by Alipay, this paper analyzes the present situation, advantages and disadvantages of the third-party payment platform, the economic value of the third-party payment platform, the development model and the existing risks. Third-party payment is the main chain of internet finance and the main factor to promote the emergence and development of internet finance. Therefore, after the detailed discussion of third-party payment platform, this paper leads to the Internet financial sector, and discusses its formation, classification and operation model in detail. In the analysis of the impact of Internet finance on the traditional financial industry, a linear regression model is established to analyze the relationship between the scale of Yu'e Bao and the profits of traditional commercial banks. Considering that Internet finance is still in the development stage of channel function, the impact on commercial banks' profits is still relatively small at present, but with the development of Internet finance in breadth and depth, This paper predicts that the future will have a greater impact on the profits of commercial banks, and that the gradual development of Internet finance will also affect the monopoly position of traditional commercial banks and promote the construction of direct financing platforms. The pattern of the entire financial industry will have a profound impact.
【學位授予單位】：山西財經大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.2;F724.6
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