I 摘要 科技革命与消费行为的变迁导致了支付业务的变化，以“支付宝”等为代表的新 型支付方式激发了市场对移动支付的巨大需求，推动了支付业务的变革。本文研究了 移动支付对商业银行支付的影响，基于双边市场理论解释了由技术变革、市场需求引 致的，由企业创新、网络效应创造的移动支付业务在产业层面对商业银行支付的影响 路径，认为网络效应、交易成本、产品差异化构成了移动支付对商业银行支付的主要 影响机制：一是双边市场平台结构的规模效应；二是移动支付的交易便利性降低了成 本；三是安全性差异与用户差异行为。采用我国省际数据进行的实证分析表明，移动 支付虽然在总体上增加了银行支付的交易量，但是对于新卡的发型增长则起到了抑制 作用。 本文通过实际出发，在梳理了国内外文献的基础上，分析了目前支付现状，即移 动支付的规模不断增加，现金的使用在相对下降；支付行为的变化主要来自于日常消 费行为的变化，特别是在日常小额支付领域，移动支付的增长速度较高；移动支付对 传统支付方式在日常小额支付业务中具有很强的替代性；同时虚拟账户在技术上已经 具备替代传统银行账户的能力。为此笔者通过SWOT分析工具，从网络安全、网络 服务等方面给出了银行的应对策略。 目前日常消费领域“支付宝”、“微信支付”等互联网平台已经形成了寡头之势， 网络效应带动了小额金融业务的使用量，对商业银行支付的发展形成了明显的冲击， 但“网联清算有限公司”的成立为银行支付与第三方支付业务的竞争提供了相对公平 的环境，是商业银行支付发展的契机。强化平台间合作，简化交易流程，提高交易便 利性，加强培养年青消费阶层的支付习惯，以更好地应对移动支付带来的挑战。 关键词：支付业务；平台竞争；商业银行；策略 移动支付对商业银行支付的影响机理及银行对策研究 II Abstract Financial industry is the lubricant of the national economy. Payment is one of the core functions of the financial industry. The technological revolution and changes of consumer behavior have brought about changes in payment services. The internet financial mobile payment represented by Alipay etc. stimulated huge demand for multiple scenarios and cashless payments, making revolutions in payment services.This paper studies the impact of Internet financial mobile payment on commercial bank payment services. Based on two-sided market theory, it explains the business impact on traditional payment service caused by the mobile payment service which is a combination of technology innovation and network effect.The impact mechanism of mobile payment on commercial bank payment services can be summarized in three ways: First, the economics of scale brought by two-sided market structure, which is mainly reflected in online shopping and offline payment; Second, the convenience of transaction of Internet mobile payment. Reduce transaction costs, reflected in the financial consumer behavior; Third, security differences and user behavior differences, mainly reflected in the transfer business. Therefore, network effects, transaction costs, and transaction security constitute the main influencing mechanisms for mobile payment and traditional payment services. The results of theoretical analysis show that high network effect and low transaction cost push the scale expansion of mobile payment, which is also the market advantage of internet mobile finance. Information identification and account setting of economic individuals are key facilities in the financial industry, and it is the advantage of traditional commercial bank.To using SWOT analysis instrument,the paper provides coping strategy for banks from the perspective of network security and service. Under the joint promotion of technology and demand, mobile payment is the general trend of financial payment services. At present, the Internet platforms such as Alipay and Wechat Payment in the daily consumption field have formed an oligopolistic competition and formed a threat to commercial bank payment services. There was a clear impact, but the establishment of “Netlink Liquidation Co., Ltd.” provided a relatively fair environment for the competition between bank payment services and third-party payment services, which is an opportunity for the development of commercial bank payment services. Strengthening cooperation among platforms, simplifying transaction procedures, improving transaction convenience, and cultivating young consumers' payment habits are the key ways for commercial banks to improve their business. Key Words: Payment business; Platform Competition; Commercial Bank; Strategy 目 录 III 目 录 第1章 绪论 ............................ 1 1.1选题背景和意义 ........................ 1 1.1.1选题背景.............................. 1 1.1.2理论意义和现实意义 .......... 2 1.2研究内容 ...... 3 1.3研究方法与技术路线 ............... 3 1.3.1研究方法.............................. 3 1.3.2技术路线.............................. 4 1.4创新点与不足 ............................ 5 1.4.1创新点... 5 1.4.2存在的不足 .......................... 5 第2章 文献综述 .................... 7 2.1网络平台相关理论 ................... 7 2.2.1网络经济理论 ...................... 7 2.2.2双边市场理论 ...................... 7 2.2支付业务国内外相关研究...... 8 2.2.1支付商业模式的研究 .......... 8 2.2.2移动支付对传统支付影响的研究 ................... 10 2.3文献评述 .... 12 第3章 支付概念界定与模式分析 ..................... 13 3.1“支付”概念界定 .................. 13 3.2支付行业的商业模式 ............. 13 3.2.1银行支付体系的双边结构 14 3.2.2移动支付体系的双边结构 15 3.3技术、模式与竞争中的行业变迁 ..................... 16 3.3.1支付行业的演变 ................ 16 3.3.2移动支付的发展 ................ 18 3.4本章小结 .... 19 第4章 移动支付对商业银行支付的影响机理分析 ........................ 20 4.1理论分析 .... 20 移动支付对商业银行支付的影响机理及银行对策研究 IV 4.1.1基本模型............................ 21 4.1.2用户归属性 ........................ 22 4.1.3市场结构............................ 22 4.1.4平台的竞争均衡 ................ 23 4.2影响因素分析 .......................... 25 4.2.1市场份额的影响因素 ........ 26 4.2.2 平台利润的影响因素 ....... 27 4.3影响机理分析 .......................... 28 4.3.1网络效应............................ 30 4.3.2交易成本............................ 31 4.3.3产品差异性 ........................ 31 4.4本章小结 .... 33 第5章 移动支付对商业银行支付影响的实证分析 ........................ 34 5.1宏观数据分析 .......................... 34 5.1.1总体趋势：从现金到非现金 ........................... 34 5.1.2消费行为变迁下的移动支付增长 ................... 35 5.1.3移动支付对传统支付替代 36 5.1.4纯虚拟账户对银行账户的替代 ........... 37 5.2实证分析 ................... 38 5.2.1数据描述............................ 38 5.2.2模型与变量说明 ................ 40 5.2.3实证结果............................ 41 5.3 本章小结 ... 44 第6章 商业银行应对移动支付冲击的对策 ..... 45 6.1银行支付SWOT分析 ........... 45 6.1.1移动支付的优势 ................ 46 6.1.2传统银行支付的优势 ........ 47 6.1.3支付业务优劣势的细分市场对比 ................... 49 6.2银行支付的对策 ...................... 50 6.2.1网络平台，合作共赢 ........ 50 6.2.2安全领域，悉心耕耘 ........ 50 6.2.3大额支付，巩固优势 ........ 50 6.2.4消费金融，补齐短板 ........ 50 目 录 V 6.2.5降费提质，个性服务 ........ 51 6.3 小结 ............ 51 第7章 结论 .......................... 52