Research On Dynamic Competition Of Third Party Payment Enterprises

In the past fourty years of reform and opening up,the economic environment of China has undergone tremendous changes,and the deepening of the market has brought about a booming market economic dividend with Chinese characteristics-social division of labor and cooperation closely,rapid upgrading of industry,and frequent upgrades of consumption,especially the speed of information technology at the index level.Growth.The dramatic changes in the economic environment have created a new industry--e-commerce.With the expansion of the scale of e-commerce,the traditional payment mode can not meet the contradiction of the increasingly diversified settlement demand of small and medium-sized enterprises.In order to solve this contradiction,the third party payment platform enterprises have come into being.The first Alipay just to meet in the e-commerce platform-Taobao trading on the implementation and the birth of the credit transaction mode,but with the Internet and the popularity of mobile Internet,mobile Internet era,people are accustomed to online consumer diversity,also received such as Alipay and WeChat to pay,Baidu Wallet as a consumer settlement tool for online consumption.The scale of people's online consumption is growing,and the scale of the third party payment business is growing.According to China's third party's market monitoring report,the China Mobile payment market transaction scale in the third quarter of 2017 has reached 29 trillion and 495 billion 920 million yuan.In the face of the flourishing third party payment,it is also soberly aware that the third party payment cause is only a short period of more than ten years,or a child's stage.There will be a lot of "puberty" problems in the process of growth and development,mainly in the third party branches.The supervision law of payment is not perfect,the third party pays the market competition fiercely,the security problem of the network payment,the management of the third party enterprise itself,the consciousness of innovation,the core competitive ability and so on.The third party paid in the market is highly homogeneous and all third party payment companies are competing for the same market.The more market share,the more competitive strength of the market.The third party payment covers the payment activities and resources integration channels of settlement,financing,marketing and information services.With the upgrading of information technology,the popularization of new resources such as large data and artificial intelligence,the payment industry will inevitably evolve into an integrated financial service for the service merchants and individuals.Plan.This paper from the perspective of dynamic competition and enterprise niche perspective of dynamic competition theories,with Alipay and WeChat to pay the two typical payment giant company as the starting point,analysis in the fierce competition in the Chinese payment market,its development from the niche on the application of dynamic competition mode of enterprise based on Enterprise The victory of survival and development.These attempts are of reference value to the development of the third party payment undertaking.