自 2015 年“聚合支付”的理念作为舶来品从西方传入中国以来，“聚合支付”产 业在国内得到迅猛发展，呈现勃勃生机。近三年来，由微信、支付宝引发的移动支付大 战更是点燃了包括聚合支付在内的互联网金融的激情。本商业计划书提出了聚合支付平 台的创业思路，通过分析 i 聚合支付平台项目的市场环境和潜在风险，并且通过对项目 阶段发展进行营销和财务规划，拟定项目初步运营方案。不仅为 i 聚合支付平台建立稳 定的技术储备、市场营销和平台服务支撑体系，规划出整体的运营路线和发展远景，也 为想了解聚合支付行业发展状况的相关人士做出具体介绍，有益于整体行业的发展，更 是为市场各方发掘聚合支付投资机会、掌握支付领域竞争格局提供参考资料。 本文首先分析 i 聚合项目的背景意义以及聚合支付平台的形成逻辑，规划出项目建 设发展路径。接着，运用 PEST 模型对项目所处的宏观环境进行分析，并使用波特五力 模型剖析聚合支付行业所处的竞争环境，得到外部环境有利于项目发展、项目内部优势 明显胜于劣势的结论。随后，通过目标市场定位理论（STP）对 i 聚合支付平台的市场 逐一细分，并选择出将决定进入的细分领域，确定项目在目标市场上“全场景支付平台” 的竞争性定位。之后，结合 4P 营销理论为本平台拟定市场营销组合策略。项目因处在 不同的发展时期而有不同的发展重点，初始阶段，项目主要以扩大品牌知名度和提高市 场份额为主，待项目现金流充足发展稳定后，i 聚合支付平台将根据市场需求采取个性 化定制服务，拓展业务范围并提升品牌形象，通过对通道、技术、服务进行整合，提出 全新的平台服务解决方案。本项目的上线，正值人们生活消费习惯改变和移动互联网高 速发展时期，在客观环境上，项目具有较大的发展潜力和市场投资空间。 基于以上分析，为 i 聚合支付平台制定未来 5 年的财务计划，对投融资计划和退出 方式进行说明，预测项目收益和成本支出，拟定资产负债表、现金流量表、利润表等三 大财务报表，并对平台投资收益进行评价。本项目的运营资金主要通过自筹和融资两种 方式吸纳，通过预估拟定出的三大财务报表可以推断出本项目的盈利指数可观。运用净 现值（NPV）、内部收益率（IRR）、投资回收期等财务分析方法为本项目的投资决策提 供参考数据，并由此得出结论，i 聚合支付平台项目投资回报率高、投资回收期短，具 有较强的盈利能力，值得作为参考投资标的。最后，从行业风险和项目运营风险两个角 度分析并提出相应的对策建议，以表明平台风险可控，具有较好的社会经济价值。 关键词，聚合支付，移动支付，i 聚合II Business Plan of Ijuhe-payment Abstract Since entering the Chinese market in 2015, Aggregate-payment system service as a foreign goods developing fast and showing its vitality. Over the past three years, the passion of aggregate-payment system service is lighted with the fierce mobile-payment commercial war which caused by WeChat-pay and Alipay . Based on market research, this paper put forward a new business idea about aggregate-payment, analyses the market prospect and potential risks and the investment opportunity in the future. Beyond that, Through the analysis of Ijuhe-payment platform project, the detailed operation plan and the development blueprint has been made, which would be presented to the people who focus on this area. It's beneficial to the development of the whole industry, but also this paper is the reference for market all quarters having a clear understanding on aggregate-payment, exploring investment opportunities, grasping the competitive landscape. First, the paper gives a project analysis about the background of the aggregate-payment service platform, then is the details about the plan of company development. It is learned that the external environment is conducive to project development, the project internal advantages outweigh the disadvantages after using the PEST model, Porter's five forces model and SWOT analysis method to analyze competitive environment. On the base of it, the paper use STP theory to carry out market segmentation and market positioning——Payment whatever you want. After that, we make use of 4P Model to develop marketing mix strategies. Different stage different focus, the project gradually expands brand awareness and gain market share at the beginning. Then is upgrade the brand and strengthen the customized service after stable development. Finally, the paper works out a five-year financial programme. Give a statement about investing and financing plan, quit mechanisms, anticipated revenues, operating costs and so on. Preparing the accounting statements shall include the balance sheet, the profit statement, the cash flow statement and the related schedules. It is funded by raise our own funds and financing. The financial programme could be infer that the project tends to be more profitable. The project of Ijuhe-payment will get a good benefit in a short time which is made out withIII using the NPV, IRR and investment payback period method to evaluate all these forecast financial data. In addition, the industrial risks and the project operational risks will be controlled after evaluating these risk factors of this project. Key words: Aggregate-payment, mobile-payment, Ijuhe-payment目录 中文摘要.I Abstract.....II 第一章 绪论.1 1.1 研究背景及意义....1 1.2 文献综述....2 1.3 研究内容及技术路线..3 第二章 i 聚合支付平台项目介绍. 6 2.1 聚合支付行业发展综述....6 2.2 i 聚合支付项目介绍.12 2.3 本章小结..16 第三章 项目环境分析.18 3.1 宏观环境分析18 3.2 行业竞争环境分析....21 3.3 项目竞争优势分析....24 3.4 本章小结..27 第四章 项目营销计划.28 4.1 营销战略分析28 4.2 营销组合策略32 4.3 本章小结..35 第五章 组织人力资源管理.... 36 5.1 团队介绍..36 5.2 组织架构..36 5.3 管理思路..38 第六章 项目财务计划.....40 6.1 融资计划以及退出方式..40 6.2 项目经营预估40 6.3 项目投资决策分析....51 6.4 本章小结..52 第七章 项目风险分析及对策 53 7.1 行业风险分析53 7.2 运营风险分析557.3 本章小结..57 结论.58