而就中国电信内部现阶段的重点工作是围绕“去电信化”来进行,在这过程中就要去探
索新的发展方向,而互联网金融就是一个发展前景较好的方向,所以中国电信翼支付业务应
运而生,并被视为甫点发展的业务。这样来看的话,后期的发展中屮国电信会将更多的优质
资源向翼支付倾斜,包括资金、技术、人才、市场、渠道等资源。我们洱从经营数据来看,
2017上半年翼支付个人用户交易额就达到了 310亿,理财申购额也达到了 730亿。可见,
翼支付在移动支付及金融领域是存在一定发展潜力的。同时,今年也是物联网的发展元年,
其从实验室阶段己经正式转到商用阶段,而中国电信全球首个覆盖面最广的商用物联网络已
于今年5月建成,“万物互联”的时代即将来临,更多的支付场景与机会也会随之产生。基
于以上的分析,提出了本论文需要解决的问题:翼支付如何利用中国电信可用资源及自身优
势,构建业务生态圈,助力业务发展形成竞争优势
本论文首先通过大量文献资料的搜集,阐述了互联网金融背景下移动支付及生态圈的基
本概念,为论文的分析打好理论基础;接着,结合中国电信翼支付发展的现状对其外部宏观
环境、内部优劣势和新形势下面临的机遇与挑战进行了分析,并总结出了翼支付发展面临的
主要问题;最后,综合上述分析及存在问题,制定了翼支付后期发展总体思路,同时结合国
内主流移动支付业务生态圈的分析,构建了符合翼支付的业务生态圈,并有针对性地提出了
具体的运营策略,形成业务生态圈的良性循环,助力翼支付业务的发展
关键词:移动支付中国电信翼支付生态圈
I Abstract
With the rapid developments of mobile Internet and modern mobile
communication technology, prices of mobile intelligent devices have declined, and
communication, finance and E-commerce have been mutually integrated, which
makes mobile payment business become a hot spot. At present, the entire mobile
payment market has been filled with multi-player, including the major banks, Union
Pay, three major operators, Ali, Tencent, Jingdong and other Internet companies.
Relevant data shows that in the third quarter of 2016, the transaction volume of
China&39;s third-party mobile payment reached 22.7 trillion yuan, 90% of which is
occupied by Alipay and Tenpay, becoming dominances in this market. However, the
scale of this market is large and the development prospects is good, so even 1% of
market share is two hundred billion.
The key work of China Telecom at present stage is dc-telecom, which means
groping for the new developing direction. As far as we are concerned, the internet
finance has broad prospect which makes bestpay emerged at the right time and
considered as key the business. So then, the late development of China Telecom will
provide more high-quality resources to the bestpay, including capital, technology,
talent, markets, channels and so on. It can be seen from the operating data, the
personal user transactions of the bestpay has reached 31 billion in the first half year of
2017 and financial purchase amount also reached 73 billion which proved that the
bestpay has certain development potential in the mobile payment and financial field.
At the same time, this year is also the first year of the Internet of things transferred
from the experimental stage to the commercial stage. China Telecom has established
the first global commercial Internet with wide coverage in May which means the age
of Internet of everything is coming soon, and more payment scenes and opportunities
will arise. Based on the above analysis, the problems needed to be solved in this paper
is put forward. How to make use of available resources of China Telecom and its own
advantages to build a business ecosystem and form a competitive advantage to help
the business development are major problems.
This paper summarizes the basic concepts of mobile payment and ecosystem in
the background of Internet finance through a lot of documents which lays a good
foundation for the analysis of the paper. Then make an analysis considered with the
present situations, external environments, the opportunities and challenges of China
Telecom&39;s bestpay service and find the main problems of the bestpay. Combined with
the present status and problems of bestpay, a general idea of development is set.
Combined with the domestic mainstream mobile payment business ecosystems
analysis, an ecosystem is built accorded with bestpay and specific strategies are put
forward which forms a good cycle of ecosystem and contribute to the development of
bestpay.
Key Words: Mobile Payment, China Telecom, Bestpay, Ecosystem
ii 目录
第一章绪论 1
1.1选题背景1.2研究目的和意义1.3 研究方法和研宄内容第二章理论与文献综述2.1互联网金融综述2.2 移动支付综述2. 3 商业生态圈综述第三章中国电倍翼支付发展现状分析3. 1中国电信与翼支付业务介绍3.2翼支付发展现状3.3翼支付发展经营及内外部环境分析第四章翼支付业务生态圈的构建
27
4.1翼支付后期发展总体思路
27
4.2国内主流移动支付业务生态圈分析
27
4.3构建翼支付独有的业务生态圈
30
第五章翼支付业务生态圈运营策略
35
5. 1消费场景的开拓及合作方式
35
5.2加强翼支付金融产品及服务能力
40
5.3运营机制和体制的创新
45
第六章总结与展望
48
参考文献 50
IJti 52
III 第一章绪论
1.1选题背景
随着通信技术和移动互联网的迅猛发展,移动智能设备价格的下降,通信、
金融及电子商务三个领域的相互融合,使得移动支付业务成为了时下热点,有相
关数据显示,2016年我国手机用户数己经超过13亿,使用智能手机购物的人数
也已高达7. 17亿。就目前整个移动支付市场上,已经充斥着多方玩家,包括各
主要银行、银联、三大运营商、阿里、腾讯、京东以及其他的互联网公司,在
2016年的三季度第三方移动支付交易市场份额中,支付宝占比50. 4%,财付通占
比38. 1%,拉卡拉占比3. 3%,连连支付占比1.2%,联动优势占比1.2%,平安付
占比1.2%,易宝支付占比0.9%,翼支付占比0.5%,其他占比2. 2%。从以上数据
可以看出,在整个移动支付领域,支付宝与财付通己经占领了市场90%的份额
虽然说已经形成了两家独大的局面,但由于这个市场有较好的发展前景规模也足
够大,即便是拥有5%的市场空间,也已十分吸引人
那么对于正在升级转型之路上摸索的电信运营商来说,面对移动支付这一新
兴领域,正是一个机遇,同时运营商也有着天然的优势:庞大的用户基数、良好
的品牌形象、物联网络的提供者、电信用户数据的掌握者等等。基于此,中国电
信的翼支付业务就应运而生了,那如何结合自身优势,来抢占市场分得一杯羹,
就成为了翼支付当前的重点工作
1.2研宄目的和意义
我国的移动支付行业可谓是发展飞速,从2011年央行下发移动支付牌照到
2015年支付宝和微信支付的普及,国民在移动支付业务上的接受速度可谓惊人
在此现象背后有欢笑也有泪水:传统银行的辛酸和互联网公司的崛起
传统银行的辛酸史:对于信用卡普及率及使用频次低的问题,银行一直没有
能够很好地进行解决,而这正是推动二维码移动支付在民众间快速普及的重要原
因之一。此外,由于早期央行对银行业使用二维码做移动支付时进行了相应限制,
又加上银行自身的技术能力不足,这才使得银行只能眼睁睁地看着移动支付这块
蛋糕让别人拿走。现在,作为曾经掌控着资金流向的霸主,现在想要获得存款留
存、结算用户及商户交易收据还不得不与第三方移动支付进行合作
1 互联网公司的崛起史:互联网公司掌握着线上购物、社交网络和游戏应用这
几个与人们生活息息相关的入口,因此它们对于用户的消费习惯和动态也最为熟
悉。同时,通过不断地创新来打造业务生态圈闭环以及线下髙频的应用场景来提
高用户粘性,使得移动支付很容易地就被民众所接受了
因此,以互联网公司为主导的第三方支付统治中国移动支付领域的局面就此
形成,也通过商业模式及技术的不断创新,推动了移动支付产业的飞速发展。而
对于电信运营商来说,机会稍纵即逝,如何抓住并加以利用是为关键,因此本论
文以中国电信移动支付业务一一翼支付作为研宄对象,因其背靠母公司,有着
“用户量大、应用性广、信用度高”等天然优势,如何利用好中国电信可用资源
及自身优势,构建业务生态圈,形成竞争优势,是目前首要解决的问题,也是本
论文研宄的意义所在
1.3研究方法和研究内容
==>>