摘要2014年被称为中国跨境电商的元年，跨境电商轰轰烈烈的跑马圈地背后跨境支付平台也借机爆发式增长。这一年，我国居民对于“海淘”热情高涨，花在跨境网购上的支出超过15亿美元。我国居民出境旅游人次超过1亿，境外交易总额达1648亿元。我国出国留学生出国留学人数为45。98万人，比2013年增加4。59万人，增长了11。09%。我国海外医疗人数为6。65万人，其中就医患者数量为10581人，赴韩做整形手术的人数则高达5。6万。89770

2014年，背靠国内中产阶级对跨境支付的强烈需求，跨境支付平台如雨后春笋，纷纷出头。大些的平台，如银联、支付宝、财付通，已经成长为日交易规模上亿元的独角兽；小些的可能刚刚起步。

不论跨境支付平台的规模大小，他们都面对同样的机遇：跨境支付市场是一片蓝海，市场还未细分，只有领先者，尚未出现市场领导者。他们也面对同样的三大风险：政策风险、金融风险和监管风险。机遇与风险并存，如何抓住机遇，规避风险是他们未来发展的方向。

毕业论文关键词：跨境支付平台；客户群体 ；风险；监管

Application Status and Suggestions of Cross - border Payment Platform in China

Abstract 2014 is known as the first year of China's cross-border electricity business, cross-border electricity business vigorous staking round of cross-border payment platform is also taking the opportunity to explosive growth。 This year, our residents for the "sea Amoy" enthusiasm, spending on cross-border online shopping spending more than 1。5 billion US dollars。 More than 100 million people have traveled out of our country, and the total amount of overseas transactions reached 164。8 billion yuan。 The number of students studying abroad abroad is 459,800, an increase of 45,900 over 2013, an increase of 11。09%。 China's overseas medical population of 66,500 people, of which the number of medical patients for the 10581 people, the number of plastic surgery to go to Korea is as high as 56,000。

In 2014, backed by the domestic middle class on the cross-border payment of strong demand, cross-border payment platform, such as mushrooming, have succeeded。 Some of the platform, such as UnionPay, Alipay, TenPay, has grown into the size of the day trading on the unicorn million; smaller may have just started。

Regardless of the size of the cross-border payment platform, they are faced with the same opportunities: cross-border payment market is a blue ocean, the market has not yet broken down, only the leader, has not yet emerged market leader。 They also face the same three risks: policy risk, financial risk and regulatory risk。 Opportunities and risks coexist, how to seize the opportunity to avoid the risk of their future development direction 

Key words: Cross - border payment platform ; customer group; risk; supervision

目录

第一章 绪论 7

1。1 研究背景及意义 7

1。1。1  跨境电商的崛起 7

1。1。2  跨境支付平台的机遇 7

1。1。3  发展趋势 8

1。2国内研究现状 8

1。2。1   研究重点 8

1。2。2   我国跨境支付未来市场分析 9

1。2。3   跨境支付平台经营模式分析 9

1。2。4   跨境支付平台风险分析 10