电子商务第三方支付平台的绩效分析
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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。
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.
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。
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.
引文
[1]孙玲芳,许金波,朱芸.基于可信第三方的安全支付协议的设计与分析.计算机应用,2006(12)
[2]刘少军.蔡虹.电子支付第二方安全问题探究.中国金融电脑,2006(11)
[3]赵玉.电子商务中电子现金支付系统的安全问题研究.电子商务,2007(20)
[4]郑绮萍.电子商务安全支付策略分析.华南金融电脑,2007(8)
[5]黎虹.商业信用与电子商务的发展.商业研究,2002(10)
[6]张喜征.网络信用管理的支点.学术研究,2002(10)
[7]杨国明:第三方支付经营模式探析[J],华南金融电脑,2006.4
[8]李二亮,刘云强:浅议第三方支付平台[J].电子商务,2005.9
[9]张宽海,张靖.第三方支付的分析研究[J].中国信用卡, 2006(7).
[10]温思美“.不对称信息”经济理论的开创性研究———2001年诺贝尔经济学奖述评[J].学术研究,2001,(11):41.
[11]刘兆发.不对称信息与市场规制[J].当代经济研究,2002,(8):21.
[12]赵昕,王静.金融监管的新课题:第三方网上支付平台[J].上海金融, 2006(9).
[13]周虹.电子支付与网络银行[M].北京:中国人民大学出社,2006.
[14]柯新生.网络支付与结算[M].北京:电子工业出版社, 2005.
[15]陈旭光.第三方支付模式的探讨[J].金融信息化坛,2006,( 1) .
[16]宫晶,王楚芸.透视第三方支付平台[J].科技咨询,2006,( 33) .
[17]胡宝燕.互联网上的支付系统[A].外经济贸易大学国际贸易学硕士学位论文[C].2003.
[18]李二亮,刘云强:浅议第三方支付平台.电子商务,2005
[19]候涛:第三方支付平台的机遇与挑战.中国计算机报,2005
[20]周庆山,周城雄.我国B2C电子支付方式及信用风险分析,南方经济,2003(11)
[21]汤清,付阳.电子商务中的博弈论分析,特区经济,2006(6)
[22]陶洋.B2C电子商务商城信用博弈分析.电子商务,2007(27)
[23]陆弘彦,韦欣.C2C网络市场的信用体系比较研究.广西财经学院学报,2007(5)
[24]罗晓萌,网络第三方支付平台的合法性研究.重庆工商大学学报,2006(5)
[25]中国人民银行海口中心支行课题组第三方支付沉淀资金问题及监管.南方金融,2007(9)
[26]陈新林.电子支付监管问题研究.特区经济,2007(2)
[27]杨国明.第三方支付经营策略反思与重构.华东经济管理,2006(6)
[28]张述平,杨国明。第三方支付竞争策略创新.电脑知识与技术,2006(5)
[29]朱小立,蔡题.电子商务交易流程优化设计探讨、电子商务,2007(26)
[30]张维迎,博弈论与信息经济学.上海人民出版社,2004
[31]许朝侠,孙雅娟,浅议电子商务网上支付模式,商场现代化,2008(3)
[32]黄亚娟等.第三方支付盈利模式及对策,金融经济,2007(6)
[33]王飞,哉春秀,第三方支付平合支付结算风险问题研究.商业研究,2006(1)
[34]郑建友.第三方网上支付市场的现状,问题及监管建议.金融会计,2006(1)
[35] Rivest R.L,ShmairA.Adleman.On a Method for Obtaining Digital Signatures and public Key CryPtosystems.Communications of the ACM,1988(2)
[36]Preneel,Govaerts.Hash Functions and Digital Signature.Computer Security and Industrial cryptography,1993(2)
[37]Committee on Payment and Settlement System(USA).Survey of development in electronic Money and internet and mobile payment,2004(3)
[38]Pauline Ratnasingham.Risks in low trust among trading Partners in electronic commerce.Computers&Security,1999(18)
[39]Nir Vulkan. Equilibria in Automated Interactions.Games and Economic Behavior,2001(35)
[40]Hemant Bhargava,Shankar Sundaresan.Quality uncertainty in IT intensive Commeree.Journal of Financial Markets,2001(4)
[41] SlinBa,AndrewB,Whinston,Hanzhang.Building trust in online auction Markets through an Economic incentive mechanism.Decision Support Systems,2003(25)
[42]Xiaorui Hu,Zhangxi Lin,Whinston,AndrewB,HanZhang.Hope or hype:on the viability of escrow services as trusted third Parties in online auction environments. Information Systems Researeh,2004(9).
[43]DanJ.Kim , YongI.Song , S.B.Braynov , H.R.Rao.A multidimensional trust formation model in BtoC e-commerce:a conceptual framework and content analyses of academia Practitioner perspectives.Decision Support Systems,2005(4)
[44]Hsien,Leo Huang,Chung Gee Lin.Emerging e-commerce development model for Taiwan·Tourism Management,2005(11)
[45]Ray Amy,Ray Julian.Strategic benefits to SMEs from third party web services:an auction Research analysis.Journal of Strategic Information Systems,2006(9)
[2]刘少军.蔡虹.电子支付第二方安全问题探究.中国金融电脑,2006(11)
[3]赵玉.电子商务中电子现金支付系统的安全问题研究.电子商务,2007(20)
[4]郑绮萍.电子商务安全支付策略分析.华南金融电脑,2007(8)
[5]黎虹.商业信用与电子商务的发展.商业研究,2002(10)
[6]张喜征.网络信用管理的支点.学术研究,2002(10)
[7]杨国明:第三方支付经营模式探析[J],华南金融电脑,2006.4
[8]李二亮,刘云强:浅议第三方支付平台[J].电子商务,2005.9
[9]张宽海,张靖.第三方支付的分析研究[J].中国信用卡, 2006(7).
[10]温思美“.不对称信息”经济理论的开创性研究———2001年诺贝尔经济学奖述评[J].学术研究,2001,(11):41.
[11]刘兆发.不对称信息与市场规制[J].当代经济研究,2002,(8):21.
[12]赵昕,王静.金融监管的新课题:第三方网上支付平台[J].上海金融, 2006(9).
[13]周虹.电子支付与网络银行[M].北京:中国人民大学出社,2006.
[14]柯新生.网络支付与结算[M].北京:电子工业出版社, 2005.
[15]陈旭光.第三方支付模式的探讨[J].金融信息化坛,2006,( 1) .
[16]宫晶,王楚芸.透视第三方支付平台[J].科技咨询,2006,( 33) .
[17]胡宝燕.互联网上的支付系统[A].外经济贸易大学国际贸易学硕士学位论文[C].2003.
[18]李二亮,刘云强:浅议第三方支付平台.电子商务,2005
[19]候涛:第三方支付平台的机遇与挑战.中国计算机报,2005
[20]周庆山,周城雄.我国B2C电子支付方式及信用风险分析,南方经济,2003(11)
[21]汤清,付阳.电子商务中的博弈论分析,特区经济,2006(6)
[22]陶洋.B2C电子商务商城信用博弈分析.电子商务,2007(27)
[23]陆弘彦,韦欣.C2C网络市场的信用体系比较研究.广西财经学院学报,2007(5)
[24]罗晓萌,网络第三方支付平台的合法性研究.重庆工商大学学报,2006(5)
[25]中国人民银行海口中心支行课题组第三方支付沉淀资金问题及监管.南方金融,2007(9)
[26]陈新林.电子支付监管问题研究.特区经济,2007(2)
[27]杨国明.第三方支付经营策略反思与重构.华东经济管理,2006(6)
[28]张述平,杨国明。第三方支付竞争策略创新.电脑知识与技术,2006(5)
[29]朱小立,蔡题.电子商务交易流程优化设计探讨、电子商务,2007(26)
[30]张维迎,博弈论与信息经济学.上海人民出版社,2004
[31]许朝侠,孙雅娟,浅议电子商务网上支付模式,商场现代化,2008(3)
[32]黄亚娟等.第三方支付盈利模式及对策,金融经济,2007(6)
[33]王飞,哉春秀,第三方支付平合支付结算风险问题研究.商业研究,2006(1)
[34]郑建友.第三方网上支付市场的现状,问题及监管建议.金融会计,2006(1)
[35] Rivest R.L,ShmairA.Adleman.On a Method for Obtaining Digital Signatures and public Key CryPtosystems.Communications of the ACM,1988(2)
[36]Preneel,Govaerts.Hash Functions and Digital Signature.Computer Security and Industrial cryptography,1993(2)
[37]Committee on Payment and Settlement System(USA).Survey of development in electronic Money and internet and mobile payment,2004(3)
[38]Pauline Ratnasingham.Risks in low trust among trading Partners in electronic commerce.Computers&Security,1999(18)
[39]Nir Vulkan. Equilibria in Automated Interactions.Games and Economic Behavior,2001(35)
[40]Hemant Bhargava,Shankar Sundaresan.Quality uncertainty in IT intensive Commeree.Journal of Financial Markets,2001(4)
[41] SlinBa,AndrewB,Whinston,Hanzhang.Building trust in online auction Markets through an Economic incentive mechanism.Decision Support Systems,2003(25)
[42]Xiaorui Hu,Zhangxi Lin,Whinston,AndrewB,HanZhang.Hope or hype:on the viability of escrow services as trusted third Parties in online auction environments. Information Systems Researeh,2004(9).
[43]DanJ.Kim , YongI.Song , S.B.Braynov , H.R.Rao.A multidimensional trust formation model in BtoC e-commerce:a conceptual framework and content analyses of academia Practitioner perspectives.Decision Support Systems,2005(4)
[44]Hsien,Leo Huang,Chung Gee Lin.Emerging e-commerce development model for Taiwan·Tourism Management,2005(11)
[45]Ray Amy,Ray Julian.Strategic benefits to SMEs from third party web services:an auction Research analysis.Journal of Strategic Information Systems,2006(9)
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