中国银行跨境电商支付的模式特征及拓展路径
毕业论文关键词：跨境电商支付；中国银行；支付宝；贝宝
The Characteristic and Development Path of Cross-border Electricity Payment Pattern—Take BOC for Example
Abstract: With the rapid development of e-commerce and consumption level in China, many consumers have a tendency to cross-border online consumption. However, payment issue is still one of the problems of cross-border e-commerce. As the rise of the third party payment institutions, Banks were forced to enter indirect participation from direct payment stage payment, payment functions gradually weakened. So Banks have to struggle with the third party payment institutions. Banks need to change themselves to cope with the new markets. In this case, the text makes a brief analysis of the Cross-border Electricity Payment pattern. And taking example of BOC and foreign successful cases, finding the problems according to the result of marketing research and then give some advises on it so as to do some good to the development of BOC.
Key words: Cross-border Electricity Payment;BOC ;Alipay ;PayPal
目录
一、绪论 .. 1
（一）研究背景及目的 .. 1
（二）研究意义 1
（三）文献综述 2
二、国内跨境电商及跨境电商支付模式 4
（一）国内跨境电商现状 4
（二）国内跨境电商的支付模式 .. 5
三、中国银行在跨境电商支付中的模式特征 7
（一）中国银行电子商务交易现状 7
（二）中国银行与第三方支付平台合作——以支付宝为例 7
1、中国银行与支付宝合作的运营模式 ... 8
2、中国银行与支付宝合作盈利特征 . 8
3、支付宝支付安全 ... 9
4、跨境交易所面临的挑战 10
四、中国银行在跨境电商交易中面临的障碍 ... 12
(一) 国内法律监管机构不健全 .. 12
(二)我国信用体系不完善 ... 12
(三) 银行与第三方支付平台之争 13
(四) 人民币直接交易不被认可 .. 13
五、中国银行在未来的拓展路径 . 15
（一）借鉴美日成功案例 ... 15
1、PayPal支付流程 . 16
2、PayPal的支付安全 ... 16
3、PayPal的盈利模式 ... 16
4、JCB支付方式 17
5、JCB支付安全 17
（二）中国银行在未来拓展路径 . 18
1、建立真实的交易环境 .. 18
2、跨境电商支付平台的建立 .. 19
3、银行与第三方机构紧密相连，互帮互助 .. 19
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