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• 本文标题：关于欧美国家电子支付普及率低的分析.doc
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• 内容摘要：AnalysisofLowPenetrationRateofElectronicPaymentinEuropeanandAmericanCountries 学院， 外国语学院 专业， 姓名， 指导老师， 商务英语 钟晓玲 学号， 职称， 161005103798 陈钢 讲师 中国珠海 二二年五月 毕业论文诚信承诺书 本人郑重承诺，我所呈交的毕业论文AnalysisofLowPenetrationRateofElectronicPaymentinEuropeanandAmericanCountries是在指导教师的指导下，独立开展研究或调查所取得的成果，文中引用他人的观点和材料，均在文后按顺序列出其参考文献，文中所使用的数据真实可靠。 承诺人签名， 日期，年月日 AnalysisofLowPenetrationRateofElectronicPaymentinEuropeanandAmericanCountries Abstract Ina1996reportthedevelopmentofelectroniccurrencyontheimpactofthecentralbankthebankforinteationalsettlementsforthefittimeexplicitlyputforwardthedefinitionofelectronicmoneyelectronicmoneyisavarietyofretailtradepaymentmechanismelectroniccashisstoredvalueandprepaidproductsisthatcoumehavecanbeusedatanytimerecordingthefundsorthevalueofelectronicequipmentelectroniccurrencybycoumetobuyinadvancebalanceintheprocessofcoumptiongraduallyreduceelectroniccurrencydoesnotincludetheapplicationofelectronicmeatoprovidetraditionalbankingservicessuchasonlinebankingandmobilebankingbankforinteationalsettlements(bis)givesthecleardefinitionofelectronicmoneyAlsopointsoutthattheelectronicpaymentcurrencyisininnovationtheexistingdefinitionimpossibletosummarizeallofitsfeaturescomparedwiththetraditionalpaymentelectroniccurrencyissuedbynonbanksusuallynotbundledwithaspecificbankaccountknownasthethirdpartypaymentinChinaforexamplealipaytenpayandkaraandsoon。 ThispapermainlydiscussesthereasowhythepenetrationrateofelectronicpaymentthatisthethirdpartypaymentisnothighinEuropeanandAmericancountriesfromwherewecanobtaintheenlightenmentoftheoveeasdevelopmentofChinasthirdpartypayment。 Keywords:Electronicpaymentthirdpartypaymentpaymentsystem 关于欧美国家电子支付普及率低的分析 摘要 在1996年的报告，电子货币的发展对中央银行的影响中，国际清算银行首次明确的提出了电子货币的定义，电子货币是多种零售交易的支付机制，电子货币是储值和预付产品，是消费者拥有的，可以随时使用的，记录着资金或者价值的电子设备，电子货币由消费者预先购买，在消费过程中余额逐渐减少，电子货币不包括应用电子手段提供的传统银行服务，例如网上银行和手机银行，国际结算银行给出了明确的电子货币定义，同时也指出电子货币是正在创新中的支付方式，现有的定义不可能概括其全部特征，与传统支付方式相比，电子货币通常由非银行机构发行，并不与特定银行账户进行捆绑，在中国被称为第三方支付，例如支付宝，财付通和拉卡拉等等。 本文主要探讨的就是电子支付也就是第三方支付在欧美国家普及率不高的原因并从中获得中国第三方支付向海外发展的启示。 关键词，电子支付，第三方支付，支付系统 Contents Abstract Ⅰ 摘要 Ⅱ Introduction 1 1TheEvolutionofPaymentMethodsinWesteCountries 2 1。1FromPhysicalCurrencytoCurrencyCredit 2 1。2ElectronicPaymentinCreditCurrency 2 2TheReasonfortheLowPenetrationRateofElectronicPaymentinEuropeanandAmericanCountries 4 2。1StrongCreditCardSystem 4 2。2WesteBanks:CapitalistBanks 5 2。3TelecommunicationCoverage 6 2。4TopConcerforMobilePaymentUse:SecurityConcerandCommercialTenantUupported 8 3TheImplicatioofTheseReasoforChinasThirdPartyPayment 10 3。1 10 3。1。1CotructionofTelecomBaseStation 10 3。1。2TakeOutboundTouristsasMedia 10 3。1。3TimelyRiskWaingandUnblockedComplaintChannels 12 3。1。4ProvidePromotionalActivitiesandMoreMerchantSupport 12 3。2SpeculationontheDevelopmentTrendofMobilePayment 13 3。2。1MoreWidelyUsed 13 3。2。2Market:theSceneSinksandExtendstoThirdandFourthTierCitiesandRuralAreas 14 3。2。3StrengthenPaymentEcologicalChainofSafetySupervision 14 3。2。4Mobilepaymentsmergewithsmartcities 15 Conclusion 16 References 17 Acknowledgments 18 Introduction InChinamobilepaymentsarefarahead。Tencentreported889millionactiveaccountsinthemonthup28percentfromayearearlier。InDecember2016tencentmobilepaymentsmonthlyactiveaccountsanddailypaymenttraactiobothexceeded600million。Mobilepaymenthasbeenintegratedintoallaspectsofdailylifesuchaseatingdrinkingplayingtravelingpayingformedicaltreatmentandhandlinggovementaffai。InmostwestecountrieshowevercreditanddebitCARDSarethemainplatformsforcashtraactiowhilemobilepaymentprovidesuchasapplepayandandroidpayhavestruggledtomakeheadway。 Howevercoideringthecostandbenefitsofforeignbankingsystemstheyarereluctanttosupportthirdpartypaymentplatformsandevenlesswillingtoundertakelowbenefitorevennegativesecuritycertificationservicesandclearingandsettlementbusinesses。 AstheChinesemarketbecomessaturatedalibabaandtencentarelookingtogrowoveeasandhelplocalstartupsinemergingmarketsrunmobilepaymentsystemsthatdontrequireCARDS。AnalysisofthelowpenetrationrateofelectronicpaymentinwestecountriesisconducivetotheoveeasdevelopmentofChinasthirdpartypayment。 1TheEvolutionofPaymentMethodsinWesteCountries 1。1FromPhysicalCurrencytoCurrencyCredit Theoriginofcurrencyisunknown。TherupeeinIndiacomesfromtheSakritRupawhichmealivestockwhileFrenchcurrencycomesfromLatinwordPecuswhichalsomealivestocksotheoriginofcurrencymaypredatewords。InancientPeiaIndiaandItalycattleandsheepwererecordedascurrencysaltwasusedinEthiopiaandtobaccoandcocoabeawereusedintheAmericas。 Becausecommodityeconomyisnotdevelopedintheearlystagethescopeofeconomictraactioisnotwideallkindsofcommoditiesactascurrencyhascontingencyandtemporary。Withthedevelopmentofcommodityeconomytheadvantagesanddisadvantagesofvariouscommoditiesasmeaofpaymentemerged。Goldandsilverhadexcellentnaturalcharacteristicsandgraduallyreplacedotherphysicalcurrencies。Fitgoldandsilverarehighlyvalued。Theyareveryscarcewithhigheconomicvaluewidelyusedinproductionandlife。Secondgoldandsilverareeasytopreserve。Theyarenoteasilyoxidizedandrustedandweightisnoteasilylost。Thirdgoldandsilverareverydivisible。Theyaremalleableeasytomeltcastandsplitandeasytocarryaround。 Withthedevelopmentofbankcreditinthe17thcenturyinEuropethereappearedcreditcurrencythatcouldbeconvertedintopreciousmetalcurrency。InEuropecreditmoneyfitappearedintheformofbanknotesissuedbycommercialbanksandbackedbybankcreditwhichcouldbeconvertedintopreciousmetalcurrencyatfacevalueatanytimemainlyasasubstitutefootes。Fromthe17thcenturytothe19thcenturywestecountriespracticedfreebankingwithmajorBanksissuingtheirownbanknotes。 1。2ElectronicPaymentinCreditCurrency ElectronicpaymentmethodsfitemergedfrommerchantissuedcoumerCARDS。Withthedevelopmentofelectronictechnologyandnetworktechnologytheelectroniclevelofbankpaymentandsettlementisgettinghigherandhigher。CommercialBanksfitintroducedcreditCARDSinthemodeseeinthe1950s。EarlycoumerandcreditCARDSweremainlyusedtopayforgoodsonpublictraport。Intheearlycreditcardtraactiotherewasnorealtimenetworkconnectionbetweentheterminalequipmentofthemerchantandthebanksothebankandthemerchantcouldonlychecktheaccountsregularlyandthebankwouldsettlewiththecoumerafterpayingthebank。LaterwiththedevelopmentandpopularizationofnetworktechnologytheterminalequipmentofmerchantsandBankscanrealizerealtimenetworkconnection。Thecoumptioninformationofcreditcardswipingcanbetramittedtothebankinrealtimethroughthenetworkandthebankcanpaytothemerchantinrealtimeiteadofsettlingaccountswiththemerchantregularly。 ThendebitCARDSwereaddedtocreditCARDS。WithfewerlinksinvolvedlowertraactionfeessecurityandconvenienceandnocreditriskdebitCARDSquicklyovertookcreditCARDSinmarketshare。InsomewestecountriesandregiodebitCARDShavecompletelyreplacedcashandchecks。Differentfromcreditcarddebitcardsystemvariesindifferentcountriesitscompatibilityispoor。After2000manydebitcardissuebeganissuingdebitCARDSthatcouldbeusedinmultiplecountriesandcouldbeusedviamobilephonesandtheInteet。SomoreandmorepeopleareusingdebitCARDS。 Inthe1990scommercialBanksinnovatedtolaunchonlinebankingservicessuchastelephonebankingonlinebankingandmobilebanking。AtthesametimethedevelopmentofsmartchiptechnologyhaspromotedtheemergenceofmobilewalletsandprepaidCARDS。 ...
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