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《中国企业家》2016年第3/4期特写《BAT决战移动支付:金钱永不眠》BAT在移动支付的激战正酣,支付宝和微信支付互有攻守,已逐渐形成双寡头竞争格局。2月18日,Apple Pay在中国上线,如天外来客般打破了这一市场的动态平衡。Apple Pay可能是现在技术最安全、体验最佳的移动支付手段,不用联网、不用扫码,实现秒付,首先就漂亮地赢了支付宝、微信一个段位。但好戏还在后头,占据七成市场份额的安卓系统当然不会等闲视之,三星手机支付近期将开展公测。新一轮移动支付大战正在酝酿中。第三方支付的虚拟账户体系使得资金和交 相似文献
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本文通过文献研究的方式,提出我国主要的电子支付方式,首先对电子支付市场各种模式下的企业竞争格局进行分析,结合我国电子支付产业的现状,分析了电子支付企业竞争策略的制定,然后通过支付宝和微信钱包两家电子支付企业成功经验和其竞争力的比较和分析,论述了电子支付的竞争策略及其竞争力评价,进而为提高电子支付产业的竞争力提出有意义的对策和建议. 相似文献
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正2014年5月16日下午四点零三分,"快的打车"在其官方微博上宣布,将于5月17日暂停乘客客户端的现金奖励。1分钟后,"嘀嘀打车"也在其官方微博上宣布了同样的决定。至此,持续4个多月的打车"补贴战"大幕徐徐落下。一场双方耗资近20亿的大战过后,消费者仍不置可否。但无论是支付宝钱包还是微信支付都希望用户通过打车软件绑定银行卡,为后续其他移动支付业务做铺 相似文献
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今年马年春节最热闹的莫过于"红包大战",在春节前夕,朋友圈就已经被"抢红包"给刷屏了。更多的人参与到"红包大战"中,微信支付的"一夜蹿红",带动了人们对微信这个支付平台的认可。从"红包热"引发的移动支付方式的创新,对比我国不同的移动支付方式,探究我国对移动支付发展的不足,并提出合理化的建议。 相似文献
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移动支付由于其使用方便、速度快、简单等优点,又承借移动通讯设备及网络用户的普及这一大趋势,其发展越来越迅猛,并且在社会网络科技等高速发展的环境下,发展态势仍然向好,发展前景仍然广阔。移动支付这一支付方式渗透到几乎各行各业,用户众多。目前,金融业的发展尤其令人瞩目,对于移动支付与金融业之间的融合引起越来越多人的关注。本文以此为背景,首先阐述移动支付的主要概念以及相应的特征,其次主要从对移动支付与金融业相融合监管的必要性以及意义进行研究。 相似文献
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本文以福建省某高速公路项目施工索赔管理为依托,探讨了实施过程中建设工程款支付不及时(足额)造成的间歇式停工损失索赔方案选取及费用测算方法. 相似文献
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The effect of payment shocks on subprime hybrid ARM mortgage prepayment and delinquency is examined. Using loan level data from private label securities, we modeled the effects of payment shocks on mortgage performance. Our study provided interesting empirical results in three main areas: First, we addressed the effect of payment shocks on subsequent mortgage delinquency. Second, we studied how the effect of payment shocks varies and decays over time. Third, we disentangled the impact of payment shocks based on the reason for the shocks: payment shock due to the expiration of a teaser rate (i.e. “teaser shock”) versus the payment shock due to index rate changes at the time of reset (i.e. “market rate shock”).We find that the effect of payment shock on loan performance varies by the delinquency status of the loan at the time of the shock. That is, the payment shock has the most significant effect on “current” loans rather than loans already in delinquency. Also of note, we find that the effect of a payment shock decays only gradually over time. We find that the impact of “teaser shocks” and “market rate shocks” on mortgage performance do not differ substantially, even though teaser shocks may be somewhat more predictable than market rate shocks. This suggests that either subprime ARM borrowers did not fully understand the product and the extent of the shock at the first reset date or that financially strapped borrowers used the product to speculate and were caught by the teaser shock when they were unable to refinance or sell (i.e. “flip”) their properties .The study suggests that any modification plan designed to eliminate potential payment shocks or to otherwise lower payments will be most effective for loans that are currently performing rather than loans that are already in delinquency. 相似文献
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创新支付方式提升物流效率--移动支付平台研究 总被引:3,自引:0,他引:3
结合正在实施中的移动支付平台系统进行分析,从支付方式创新的角度着重探讨其应用背景、设计理念和实施方案,井根据发达国家的应用态势和中国的市场状况,分析和把握手机支付的巨大潜力及发展前景,提出了用手机支付来提升物流效率的,大胆设想。 相似文献
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本文阐述了电子商务网上支付系统的构成、功能和基本流程,并在对电子商务网上支付系统安全性问题进行研究的基础上提出安全对策。 相似文献
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High Commitment Management and Payment Systems 总被引:1,自引:0,他引:1
Stephen Wood 《Journal of Management Studies》1996,33(1):53-77
This paper extends the analysis of high commitment management (HGM) reported in a previous Journal of Management Studies article (Wood and Albanese, volume 32, number 2) by examining its linkage to payment systems. It opens with an overview of what the literature on HCM portrays as the pay systems that are most compatible with it. Then it reports research, based on data from a representative sample of manufacturing plants in the UK, which examines what pay systems in practice are used in conjunction with HCM. It also assesses whether, as we might expect, plants using piecework and individual bonuses are less likely to adopt such an approach. Finally, the paper examines whether changes in payment systems are made as managements attempt to heighten their use of HCM. Contrary to the claims of many writers, there is no systematic association between the use of HCM and the use of performance or contingent pay systems, such as merit pay and profit-sharing schemes. the study does, however, show that those plants in which merit pay is paid as a permanent increase in the basic wage are likely to have higher levels of HCM (and rates of change in it) than are those in which merit pay is simply paid as a bonus. Individual bonus systems appear to be associated with plants which are not pursuing high commitment management to any great extent. Finally, the research shows that for the period 1986 to 1990 payment system changes in British manufacturing, though highly varied, tended to be introduced in association with a greater use of HCM and not introduced as a substitute for this. Moreover, the research suggests that these were lagging other changes, rather than leading them. 相似文献
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所谓国库集中收付制度,国外称之为国库单一账户制度,就是将所有的政府性财政资金全部集中到国库单一账户,并规定所有的财政支出必须由国库直接支付。在这种制度下,财政资金的使用由各部门根据细化的部门预算自主决定,由财政部门核定后准予支出,财政资金将由国库单一账户直接拨付给商品、劳务的供应商。在财政国库集中收付制下,预算资金不再拨付给预算单位,而是统一存储于中央银行国库单一账户中进行统一管理。在具体实践中,不断有新问题出现。本文只粗略探讨国库集中支付制改革的意义,并就存在的问题提出几点建议。 相似文献