The Discussion On The Paradigm Shift Of The Third-party Payment Bank Card Charge Sheet And Agency Business In China

Since the legal status of the third party payment was established in 2010,Bank card acquiring business market began to en ter the fierce co mpetition situation.With the rapid developm ent of m obile Internet technology,Online and offline bank card acquiring business gradually integration, Ba nk card acquiring m arket is undergoing profound changes.For the stable developm ent of the bank card ac quiring market,the government and profession administrative organization formulated relevant policy to Strengthen market management,traditional bank card acquiring business pricing rules are about to face the adjustment,by then the the profit space of tradition al bank card acquiring business m odel will be greatly re ducedat, at the sam e time,the m arket positiondevelopment mode and operation strategy of the bank card acquiring enterprises will be adjusted in du e time too.How to establish accurate market positioning and development modelenterprise in the new industry rules in ord er to better survival and developmentwhich is the most direct and most important issue for bank card acquiring business enterprises.This paper m ainly through this three m ethods of search, com parison and enumeration,analysis of the current situation and development environment bankcard acquirer in third-party payment mechanism,elaborated the com parison between Alipay and Apple Pay(in China) developm entand,analyzed the current status of industry combined with the local third party paym ent company in local.Meanwhile,Strategic analysis and SWOT analysis on the competitive ability of the third party paym ent institutions,clearly, the business devel opment model of the third party payment institutions must be tr ansformed from the extensiv e price competition model to the high quality and diversified service competition mode.Third party payment institutions m ust rely on mobile Internet technology,conducting diversity business and m ergjing internet financial, superimposed personalized value-added services to bind or adhere to the core customer,and toward to developing of the financial services field and micro-enterprise financial services field.