Research On The Third Party Payment Of China

With the improvement of economic level, science and technology also obtained the development.On the basis of the network technology, information technology obtained the development and popularization. Under this big background,third-party payment platform arises this historic moment, is known as the mainstay of the payment system in our country, and is welcomed by the masses. Third-party payment is simply a credit payment intermediaries.It is to be maintenance necessary fair between both sides, cut down the costs of transactions at the same time, and reduce transaction risk, in promoting development, especially the network has important role in the economic prosperity. According to the People’s Bank of China statistics: As of the end of 2013, the size of the third-party payment industry trade reached 17.9 trillion yuan, an increase of 96.6% compared with 2009, the average annual growth rate of more than 20%. Of course, third-party payment industry in the development process also encountered various obstacles and problems. Due to the huge space for the future development of third-party payment industry, making more and more capital into the business of third-party payment industry, resulting in a third-party payment industry disorderly competition status quo.Content of this paper includes six parts: The first part is an introduction, describes the research background, purpose and significance, as well as research objects and concepts and methods. The second part provides an overview of research at domestic and abroad for the third-party payment.The third part is the development status of China’s third-party payment analysis, a brief introduction of the characteristics of the third-party payment, and the use of Chart History and current situation of China’s third-party payment. The fourth part is the third-party payment platform comparative case studies, select Paypal, Tenpay and Unionpay through third-party payment platform that three companies, its development model, operating status, such as content analysis, and by the third-party payment platform in comparison development process of facing problems and obstacles. The fifth part of the third party payment learn from foreign experience, choose the United States, the European Union and Japan, the three countries and regions, introduced its third-party payment of development experience, look for third-party payment platform for the development of the relevant inspiration.The sixth part is countermeasures and suggestions for the future development of third-party payment. The payment platform issues and obstacles faced in the development process for a third party, itself proposed the corresponding countermeasures and suggestions and government regulation of both this paper payment from third parties.