A公司第三方支付服务模式应用分析.pdfVIP

THE STUDY ON APPLICATION OF THE THIRD-PARTY PAYMENT SERVICE MODEL FOR A COMPANY ABSTRACT The 21st century is an era in the rapid development of global information. With the rise of e-commerce industry, the traditional method of payment has been unable to meet the needs of modern e-commerce activities. With the transaction process independence and convenient payment experience, third- party payment platform got a great deal of concern when it appeared. It greatly enhance the efficiency of production and peoples lives. Especially after 2010, when Peoples Bank of China issued a non-financial institutions to pay management approach, number of various types of third-party payment companies showing explosive growth. According to iResearch statistics, in 2013 Chinese third party payment transaction size was 17 trillion yuan. A huge number of practitioners of corporate and market size means the third-party payment has become an important form of the national economy, but also reflects the intensity of competition in the industry. A Company I served is a third-party payment company which was build through mergers and acquisitions by domestic integrated financial groups. In the three years the company had founded, the company has supported by the 万方数据 Groups parent company’s funding and resourcing. The company from a start-up business, expand into a nearly 1,000-employee organization. Its business involved in financial clearing and settlement, cash and account management, consumer finance, electricity supplier mall, consumer credit, innovative insurance and other areas. However, during the company expand its business and madly in organizational structure, also exposed to profit model too single, too many homogeneous products, not well integrated use of Group re