The Researth On Profit Model Of Third-Party Electronic Payment Platform In China

Payment system is financial infrastructure system to provide clearing and settlement services for the community, which supports capital flows and transfer in social and economic activities. Before the e-commerce and electronic payment appeared, the payment and the clearing and settlement of social capital mainly rely on the central bank and commercial banks. But the bank did not provide payment platform which is used for a large number of scattered, sporadic small trades for buyers and sellers. Then, third-party electronic payment platform came into being. A third-party electronic payment service organization is an effective complement to payment system in China. The rapid development since 2005, however, the shortcoming of third-party electronic payment platform is gradually becoming apparent. Especially in profit, this is seriously affecting the health of third-party electronic payment platform development.This paper studies the profit model of third-party electronic payment platform to solve the problem of profits. In this paper, explore the two-sided markets characteristics of the third-party electronic payment platform in the financial system. Based on the two-sided markets theory and two-sided markets characteristics, I make up the pricing model. Administer the main issues of the third-party electronic payment platform profits. The conclusion is the implementation of differential pricing for users to maximize profits in the internal. In the external, coordinate the relationship with banks competing to achieve a reasonable distribution of benefits by achieving investment returns from precipitation funds and lower earnings expected. Establish the credibility mechanism of third-party electronic payment platform for maintaining its long-term development. Finally, third-party electronic payment platform have profitability by the two parts.