关于支付宝的产品研究与分析 (4)

XCLW50136  关于支付宝的产品研究与分析 (4)  (字数：11293)

摘要

支付宝（中国）网络技术有限公司是国内领先的第三方支付平台,致力于提供“简单、安全、快速”的支付解决方案,是由马云先生在2004 年 12 月创立的第三方支付平台。已经成为我国最大、国际知名的第三方支付平台,近些年来发展迅速,已发展成为融合了支付、生活服务、政务服务、社交、理财、保险、公益等多个场景和行业的开放性平台,它能提供便捷的支付、转账、收款等功能,可以轻松理财,在我们的日常生活中扮演着重要的角色,它为电子商务运营商、个人用户、无线服务和互联网服务提供商创造了一个便捷的支付平台。

目前，支付宝实名用户超过 3亿，支付宝成为通用的支付平台，对于淘宝，对于消费者，对于整个电子商务的发展都有着积极的促进作用。对于淘宝来讲，支付宝成通用支付平台增加了淘宝的流量。同时也吸引更多的卖家到淘宝开店，从而增加支付宝的现金存量；对于网购的消费者来讲，支付宝使得网购的风险降至最低；对于整个电子商务行业来讲，支付宝成为通用平台也将有利于电子商务的诚信环境，增强消费者对电子商务的信任，从而有利于电子商务的快速发展。      

当今信息时代，科学技术的迅猛发展，IT人员潜入研究计算机应用技术，使得计算机的应用越来越普遍。网络的发展也促进了电子商务行业的发展，各种电子商务平台不断出现在我们的面前，网络购物的便利性已经得到大众的认可。而随着电子商务行业的快速发展，通过网络进行结算的渠道不再仅仅是传统的银行，传统的银行支付已经无法满足电子商务的发展要求。因此众多第三方网上支付平台应运而生，而在众多第三方支付中，最受人们欢迎的是支付宝，它是在网络购物中网民使用最多的支付方式，是第三方网上支付方式的代表。所以在互联网未来发展相当长的时间内，支付宝都会是热门的话题。

本文的目的是在于通过了解支付宝产品的基本概况，进而了解支付宝的产品研究、遇到的问题、与网上商业银行的竞合关系和央行对支付宝的最新限制政策等，最后是提出支付宝的未来发展分析总结，让我们从各个方面更加了解支付宝的产品研究与分析。

关键词：支付宝、第三方支付、余额宝、电子商务 

 

Abstract

Alipay (China) network technology co., ltd. is a leading third-party payment platform in China, committed to providing "simple, safe and fast" payment solutions, is the third-party payment platform founded by Mr. Ma yun in December 2004. Has become China's largest and famous international third-party payment platform, is developing rapidly in recent years, has developed into a blend of the pay, life services, government services, social, financial, insurance, public welfare, such as multiple scenarios and the open platform of the industry, it can provide convenient payment, transfer, payment and other functions, easy money, in our daily life plays an important role, it for e-commerce operators, individual users and wireless services and Internet service providers (isps) to create a convenient payment platform.

At present, alipay has more than 300 million real-name users, and alipay has become a universal payment platform, which plays a positive role in promoting the development of taobao, consumers and the whole e-commerce. For taobao, pay baocheng general payment platform to increase the flow of taobao. At the same time, it also attracts more sellers to set up shop on taobao, thus increasing the cash stock of alipay. For online shoppers, alipay minimizes the risks of online shopping. For the whole e-commerce industry, alipay as a general platform will also be conducive to the credibility environment of e-commerce, enhance consumer's trust in e-commerce, so as to facilitate the rapid development of e-commerce.      

Today's information age, the rapid development of science and technology, IT staff sneaked into the study of computer application technology, making the application of computer more and more common. The development of the Internet has also promoted the development of the e-commerce industry. Various e-commerce platforms keep appearing in front of us. The convenience of the Internet shopping has been recognized by the public. With the rapid development of the e-commerce industry, the settlement channel through the network is no longer just a traditional bank, and the traditional bank payment has been unable to meet the development requirements of e-commerce. Therefore, many third-party online payment platforms emerge at the right moment. Among the numerous third-party payment platforms, alipay is the most popular one, which is the most popular payment method among Internet users in shopping and the representative of third-party online payment. So in the future development of the Internet for a long time, alipay will be a hot topic.

Is the purpose of this paper is to pay treasure to products through understanding the basic situation of, and understand alipay products research, problems and relationship with the online competition of commercial Banks and central Banks to pay treasure to the latest restrictions and so on, the last is proposed and the future development of alipay analysis summary, let us know more about pay treasure from all aspects of product research and analysis.

Keywords: alipay, third-party payment, yu 'ebao, e-commerce

目录

绪论 7

一、产品概述 8

（一）产品介绍 8

（二） 产品主要功能 8

（三） 产品迭代 8

1.用户分布 9

2.典型用户画像 11

3.用户需求分析 11

二．支付宝的技术 12

（一）支付宝的实现技术 12

（二）支付宝优点 12

1.安全 12

2.简单 12

3.快捷 12

（三）支付宝缺点 12

1.法律缺陷 12

2.安全问题 12

3.局限性 12

4.机制不完善 13

三．支付宝的产品分析 13

（一）产品功能结构 13

（二）特色功能：余额宝、花呗、芝麻信用、公益服务、财富直通车 14

1.余额宝 14

2. 花呗 15

3. 芝麻信用 16

4. 公益服务 16

5.财富直通车 17

（一）主要特点 18

1.快捷便利 18

2.简单安全 18

3.安全有效 18

五．支付宝对电子商务的影响 18

结论 20

参考文献: 20