摘要
近年来,我国支付行业快速发展,呈现出支付工具阶段性发展特征明显,分散化的市场引致不同的支付需求与供给,市场竞争过度,盈利空间受损等特征。随着行业发展的加速,未来新的趋势将逐渐显现,主要表现在:互联网金融雏形将逐步呈现;银行业务定位会逐渐发生变化;以支付业务为基础的衍生增值服务将成为支付公司的主要盈利空间;支付行业的专业化分工将逐步确立,角色定位将逐渐清晰。
In recent years, the payment industry has developed rapidly, presenting such characteristics as obvious characteristics of phased development of payment tools, different payment demand and supply caused by decentralized markets, excessive market competition, and the damaged profit space. With the acceleration of the development of the industry, the new trend in the future will gradually appear, mainly referring to that the basic internet finance will be present gradually, the orientation of banking business will gradually change, the derived value-added services based on the payment business will be the major profit space of payment compa-nies, the specialization of payment industry will be gradually established, and the role will be clear step by step.
出处
《西部金融》
2013年第1期83-87,共5页
West China Finance
关键词
支付行业
发展特征
发展趋势
payment industry
development characteristics
development trend
