第三方支付行业的现状与发展——以财付通为例 本文关键词：为例，第三方，现状，支付，发展
第三方支付行业的现状与发展——以财付通为例 本文简介：第三方支付行业的现状与发展——以财付通为例目录摘要1Abstract2一、前言3（一）选题的背景及意义3（二）研究概述3（三）研究的思路及方法4二、第三方支付行业的发展现状分析4（一）第三方支付行业的发展历程4（二）第三方支付行业的现状分析51.行业市场结构52.行业生命周期
第三方支付行业的现状与发展——以财付通为例 本文内容：
第三方支付行业的现状与发展——以财付通为例
目 录
摘 要1
Abstract2
一、前言3
（一）选题的背景及意义3
（二）研究概述3
（三）研究的思路及方法4
二、第三方支付行业的发展现状分析4
（一）第三方支付行业的发展历程4
（二）第三方支付行业的现状分析5
1.行业市场结构5
2.行业生命周期6
3.行业环境分析7
4第三方支付企业案例分析——以财付通为例.7
（1）财付通概况.........................................................................................................................7
（2））SWOT分析.......................................................................................................................8
三、第三方支付行业发展中存在的问题及建议13
（一）第三方支付行业发展中存在的问题 13
（1）信用体系不完善...........................................................13
（2）规范市场操作， 加强反洗钱、反套现监管....................................14
（3）法律制度不完善..........................................................14
（4）市场准入制度不完善， 市场退出机制缺乏....................................14
（二）促进我国第三方支付发展的建议16
（1）加快信用体系及制度的建立与完善...................................................................................15
（2）规范市场操作，加强反洗钱、反套现监管.......................................................................16
（3）加强立法，促进法律体系完善...........................................................................................17
（4）完善市场准入和退出机制...................................................................................................18
四、总结和展望20
参考文献
致谢
摘 要
第三方支付一直以快捷，方便的形象出现在我们的生活中；但是在快捷与方便之下也隐含着隐患，本文首先对第三方支付的发展历程进行回顾，再对行业结构、行业生命周期、行业环境等三个方面进行了分析，并以财付通以及SWOT两个企业作为典型例证；得出在当今时代下，第三方支付存在着信用体系不完整、市场操作不规范、洗钱，套现情况屡出不穷、法律监管制度不完善、市场推出机制缺乏等情况。本文通过研究分析分别对以上情况提出了加强信用体系以及制度的建立与完善、规范市场操作、加强对洗钱，套现等问题的监管、加强第三方支付的法律细则，尽快完善法律体系、完善市场准入以及推出机制等建议后做出总结。希望通过本文的研究能对第三方支付的良好发展起到绵薄之力。以下是本文讨论内容。
关键词:第三方支付； 研究分析；建议提出
Abstract
Third-party payment has always appeared in our life as a fast and convenient image; however, there are hidden dangers under the fast and convenient conditions. This paper first reviews the development process of third-party payment, and then analyses three aspects of industry structure, industry life cycle and industry environment, and takes two enterprises as typical examples: Fiscal Payment and SWOT. In the era, there are many problems in the third-party payment, such as incomplete credit system, irregular market operation, money laundering, cash arbitrage, imperfect legal supervision system and lack of market launch mechanism. Through research and analysis, this paper puts forward some suggestions on strengthening the credit system and the establishment and improvement of the system, standardizing market operation, strengthening the supervision of money laundering and cash arbitrage, strengthening the legal rules of third-party payment, improving the legal system as soon as possible, improving market access and launching mechanism. It is hoped that this study can play a modest role in the good development of third-party payment. The following is the discussion of this article.In recent years, with the progress of the times and the development of science and technology, network technology is more and more widely used in people"s life, which facilitates people"s clothing, food, housing and transportation In particular, with the appearance of third-party payments, we no longer have to go to the bank to handle all kinds of business, thus saving us a lot of unnecessary trouble. Since June 2013, "Yu"e Bao" and "current account treasure" have been launched one after another. The rising of Internet financial innovation products one after another shows the desire of Internet platform to divide the cake of Internet financial market and the "ambition" of establishing Internet financial empire. Ma Yun pointed out that "financial Internet and Internet finance is the future of the two major financial opportunities." Financial networking and network financialization is not only a major challenge to commercial banks, but also an excellent opportunity to reshuffle. Taking Tenpay as an example, this paper investigates and studies the current situation and development of the third-party payment industry. In order to meet the challenge of big data era, Tenpay must pay attention to the ten transition trends and seize the opportunity to realize new leaps and bounds.
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