摘要：我国现代经济与互联网正处于一个飞速发展的时期。网上购物也越来越成为现代人不可或缺的生活习惯，而这其中，就必然产生支付交易的问题。作为一个新兴行业，竞争也日趋激烈。作为行业，如何在多样化的支付手段之中僻出蹊径，壮大自己的商业模式，作为企业，如何在如今的第三方支付市场上脱颖而出，形成竞争力，都是值得思考的问题。本文介绍了互联网金融机第三方支付平台的相关理论和运作原理。针对目前中国第三方支付的现状，就其市场概况、竞争模式、竞争环境产业及价值链以及支付模式等进行了梳理。在充分了解现状的情况之下，以支付宝公司作为案例，进行SWOT分析后，认为其在当前的竞争条件之下，可以选择增长型、扭转型、多元化及防御型的具体竞争策略。并认为支付宝公司要想获得更好的竞争力，需要从多元化经营以及关注竞争合作关系上入手。同时，针对我国目前第三方产业，本文建议从产业发展以及政府监管角度加强，促进第三方产业整体竞争力的提高。通过本文的分析和建议，希望我国第三方支付产业的发展能够更加健康、安全、规范和长久。

关键词：第三方支付；信息产业；互联网金融；经济管理

Research on Competitive Strategy of Third Party Payment Platform

Abstract：China's modern economy and the internet are in a period of rapid development. Online shopping is also becoming an indispensable habit of modern people, and this is inevitable to generate payment transactions. As a new industry, competition is becoming more and more fiercely. As the industry, how to make a new way in the persified payment means, expand its own business model, as an enterprise, how to stand out from the market in today's third-party payment market, to form competitiveness, is worth thinking. This paper introduces the theory and operation principle of the third party payment platform of internet financial machine. According to the present situation of third party payment in China, the market situation, competition mode, competitive environment industry, value chain and payment mode of the third party payment are combed. Under the situation of full understanding of the situation, take company treasure as a case, SWOT analysis, think that under the current competition  conditions, can choose growth, torsion, persification and defensive specific competition strategy. And think that pay treasure company want to obtain a better competitive ability, need from persification management and attention to competitive cooperation relationship. At the same time, in view of the third party industry in China, this paper proposes to strengthen the industrial development and government supervision, to promote the overall competitiveness of the third party industry. Through the analysis and suggestions of this paper, hope that the development of the third-party payment industry can be more health, safety, standardization and long-term.

Keywords：third party payment；information industry；internet finance；economic management

目 录

1绪论 8

1.1研究背景及意义 8

1.2文献综述 8

1.2.1国外文献综述 8

1.2.2国内文献综述 9

1.3研究方法 9

1.3.1文献研究法 9

1.3.2比较分析法 9

1.3.3定性分析及案例分析法 10

1.4研究思路与创新点 10