The Analysis And Study Of Third Party Payment And Online Banking And The Relation Of Them In The Development Process

The research target of the paper is engaged in the online payment business two entities : third party payment and online banking and the relation of them in the development process. Nowadays and henceforth, the development of EC (electronic commerce) will become one kind of tidal and the tendency in the whole world, which has received the attentions from all parts, we can get this conclusion from international organization and main developed countries'working out and constituting the standards and laws upon EC, and the crowds'actively participating in the EC exchange. So why do people actively put their eyes on EC? The reason lies that the new ideas and the new pattern EC has adopted to developed business based upon Internet and newly emerging computer technologies, has enabled EC to get some potential advantages such as low costs, all-weather, any time and anywhere which has promoted revolutionary changes in traditional commerce. In recent years along with the development of China's internet and the increase of the crowds'online actives, EC has made a tremendous progress in China and become common interests of the whole society, which can be shown as a great market capability and a flourishing future. The thesis is trying to begin with the aspect of caring for and promoting the development of EC and online payment, make a research on the online payment business two entities :third party payment and online banking and the relation of them in the development process , and also trying to bring forward pertinence solutions so that can be of some meaning to the practices, which will be the fundamental outline of the thesis.This paper is divided into three parts, Part I introduces the present situation and increasing tendency of E-business market and e-payment market in our country, as well as present situation and the proportion that it takes on e-payment market of the third-party payment and foreseen its future development. China is one of countries which has the fastest development of E-business in the world, and the fast development of E-business has produced huge market demand for e-payment. China's online banks are relying on traditional commercial banks in their own entities on the internet to conduct banking business transaction processing services and personal banking, corporate banking and other services development model, which it is nearly 10 years now, operational and functional great strides have been made. Online payment have three typical tools : e-check, bank cards, electronic cash. China online banking is currently being vigorously developed online payment business online banking is the most important one of the operations. At the same time, the third-party payment connected with numerous banks and medium or small E-business enterprise, has the important position in the personal payment field and small payment fields such as B2C and C2C, and its market space and the living space are huge. Now the payment service which participates by non-bank organization has become a notable characteristic on e-payment business, and has effectively alleviated the payment bottleneck problem in E-business development process, and has played the important role in the development for E-business. Third party payment is indispensable to the development of online banking, online banking and third party payment promote online payment market with the development of the relationship between the two is worth studying.In part II, analysis of the online payment market hinder the two main factors to cover security and the issue of credit transactions. Then verification of online banking can be an effective solution to cover security issues, but they can not solve the online transactions of the credit problem. Then it is demonstrated to be capable of paying a third party resolved to the satisfaction of online transactions credit problems. Strong online bank account security and management services, together with third-party intermediaries to pay the credit convenience and flexibility, both cooperation and more resolved to the satisfaction of the troubled online transaction safety credit, pandered to the e-commerce online payment market demand, "Bank of bigger businesses pay for the companies to do small businesses," jointly promote the online payment market. Third party payment through e-banking cooperation, and was a bank security payment gateway interface, integration of a number of small and medium-sized businesses resources, and strengthen its own; online banks are paid by third parties to open up the channels for the development of businesses, and be divided into clearing. Online payment market in the initial stage of cooperation between the two is obvious.Part III analyzes recent changes in expounded on-line payment market .The paper has an analysis of the third party payment and online banking from cooperation to competition reasons. Then the third party payment pattern analysis. Now there are nearly 50 third-party payment companies in our country, and we can divide them into three kinds of patterns. One is the third-party platform which is completely independent. It is invested by the third investment organization, and supports various increment services which is around by order and payment for the business unit. This kind of platform only offers payment product and payment systematic solution. The second one is the third-party platform which has electronic trade platform and the assurance function. It is exploited by electronic trade platform independently or cooperate, and establishes the cooperative relationship with the big banks, and undertakes the intermediary assurance for buyers and sellers which relies on its reputation and the strength. The third kind is the third-party platform which supported by electronic trade platform. It is a payment gateway which is established by E-business platform. It is different from second kind pattern, the E-business platform always denotes to manage independently the commercial website that offers specific product (fictitious product or entity product). Payment website is initially developed for satisfying the demand of self-delivery and real time payment, and expands to offer the specialized payment product service step by step. A typical representative is cloud @ Net network. These three modes of operation were given evaluation, that they face the competition of online banking should actively explore business models and profit model further understanding of the different characteristics and needs of industries to gain market innovation, value-added business for the future development direction. According to its own resources, accurate positioning, forming a breakdown of the market to avoid homogenization of competition and price war; enhance the understanding of e-commerce, and expand the industrial chain of other agencies scope of cooperation, to strengthen their own survival this.Finally, suggested that the government should foster the development of e-business online-pay market in terms of online banking compared with a weak position in third-party support pay, should give policy support. The paper is the third party payment business model analysis, and pointed out the online banking competition, the models will be affected right direction for the development of their respective recommendations. There is inadequacy of third parties to pay their own problems and the state should take corresponding measures in the analysis is not enough depth.