我国商业银行发展移动支付的战略研究 VIP专享VIP免费

毕业论文外文摘要TitleAStrategicStudyontheDevelopmentofMobilePaymentbyCommercialBanksinChina--TaketheHuanghuaBranchofChinaConstructionBankasanExampleAbstract:Sincethetwenty-firstCentury,theInternetandfinancehavebeenrapidlyintegrated,andmobilepaymenthasbeenwidelywelcomedworldwidewithitsfullrangeofall-weatheradvantages.Ontheonehand,Chineserealizedmobilelarge-scalebuiltaunifiedpaymentstandardand4Gnetworkin2014,themarkethasbroughtnewvitalitytobecomemoreprosperousforChinaMobiletopay;ontheotherhand,issuedbythethirdpartypaymentoperatorsandreducethefinanciallicensepolicybarriers,andtherapidriseexacerbatedthedomesticmobilepaymentmarketthelevelofcompetitioninthethirdpartyplatform,hasbroughtnewchallengestothedevelopmentofChina'scommercialbankmobilepaymentbusiness.Throughalotofresearchliteratureathomeandabroad,byusingtheSOTmethod,topayforthedevelopmentofChina'scommercialbanksMobileBusinessInternalandexternalenvironmentanalysis,putforwardthestrategicdirectionandsuggestions,sothatcommercialbanksbusinessthinkingchange,innovationandpromoteitstechnologyandimproveitsservices,inthemobilepaymentmarketthecompetitionability.Keywords:CommercialbankMobilepaymentStrategicdevelopmentCompetitivepower目录1.引言..............................................................11.1.研究背景与研究意义..........................................11.2.文献综述....................................................21.3.研究内容和研究目的..........................................3研究过程和方法..................................................32.移动支付的概述....................................................4移动支付定义....................................................4移动支付的分类..................................................4移动支付的商业模式..............................................53.中国建设银行发展移动支付业务的现状及环境分析.....................7中国建设银行支付业务及现状分析..................................73.2内部环境分析...............................................73.3外部环境分析................................................84SWOT分析........................................................104.1优势分析...................................................104.2劣势分析...................................................104.3机会分析...................................................114.4威胁分析...................................................114.5SWOT战略组合...............................................125.中国建设银行黄骅支行在移动支付业务中应当实施的措施...............13部门构成.......................................................135.2.资源配置...................................................135.3强化以商业银行为主导的移动支付商业模式......................135.4加强银行间的合作，共同进退.................................14结论.............................................................15参考文献........................................................16致谢171.引言1.1.研究背景与研究意义随着科技的不断进步，移动数据网络的不断发展，移动支付因其全天候全方位的便捷性受到大众的广泛欢迎，在全球范围内迅速繁荣，呈现爆发式的增长。iiMediaResearch（艾媒咨询）数据显示，2016年网上支付交易规模达万亿元，较2015年增长3.3%，2016年移动支付规模达万亿元，较2015年增长45.6%，在移动支付有着巨大的发展空间。如下图，2016年移动支付用户规模达到亿人，与2015年的亿人相比较增长30.6%。2017年用户规模进一步增长，将...