论文总字数：26657字

摘 要

在现代这个快速发展的时代里，互联网企业的发展也是相当之快，金融与互联网渐渐开始结合起来。2012年起，互联网金融迅速的成长，互联网企业慢慢的初步涉及融入金融的范畴。越来越多的传统金融企业通过结合互联网技术来提升企业的竞争力。在当下这个数据化信息的时代，互联网金融变成了这个年代必不可少的。

本文对关于互联网与金融行业之间的结合进行了分类并说出平台的现在所拥有的问题，并对其进行分析。分析研究得出互联网金融平台的竞争优势的获取与保持。经过对目前支付平台的种种现象的整理与研究，做出了关于支付平台的发展阶段有的问题和运营模式全面解读。并使用了第三方支付平台中的典型企业进行了因子分析法，分析出影响企业用户量的因素，研究了第三方平台竞争力评价。本文对经过前人对平台竞争力研究的解析，结合了支付平台本身所拥有的特色建立了支付平台竞争力评估指标。将支付宝作为案例进行了分析。从中发现，信息，服务是最影响用户使用情况的。若想企业得到自身发展，需加强完善信息与服务方面。并通过和各种渠道的商户联合来加大网络外部性。促使企业自身获取更加多关于支付平台的用户。扩大关于支付平台的多元化服务性能，加大自身竞争力。

关键字：第三方；支付平台；互联网；金融；平台；

ABSTRACT

In the rapid development of Internet technology today, the financial and the Internet began to closely integrate. Internet finance in China's birth has a long history, but since 2012, the rapid development of Internet finance, Internet companies began to explore the financial sector, financial enterprises began to fully develop the Internet. Internet financial platform developed rapidly and demonstrated a broad prospect, the Internet financial platform as a product of the era of information economy.

In this paper, the Internet financial platform was classified and the status of the Internet financial platform. And its analysis, obtained the Internet financial platform for the acquisition and maintenance of competitive advantage. Through the current third-party payment platform for the sort of analysis and analysis of the third-party payment platform for the development of the status quo and a comprehensive interpretation of the operating model. And uses the third party payment platform typical enterprise to carry on the factor analysis method, analyzes the aspect which affects the enterprise user quantity, has studied the third party platform competitiveness evaluation, draws on the predecessors to the platform competitiveness research, combined with the third party payment platform characteristic And constructs the evaluation index of the third party payment platform competitiveness. Alipay as a case of analysis. From which found that information, services are the most impact on the user's use. If you want to get their own development, need to strengthen the improvement of information and services. And through cooperation with a variety of channels to increase the network externalities, so that the enterprise's third-party payment platform to get more users to expand the third-party payment platform to use the diversity of functions to increase their competitive advantage.

Keywords: the third party；payment platform；the internet；finance；platform

目 录

摘 要 1

ABSTRACT 2

第一章 绪言 4

1.1 选题背景与研究意义 4

1.1.1 研究背景 4

1.1.2 研究意义 4

1.2 研究内容和框架 5

1.2.1 研究内容 5

1.2.2 研究框架 6

1.3 研究方法与可能的创新点与难点 6

1.3.1 研究方法 6

1.3.2 可能的创新点与难点 6

第二章 文献综述 7

2.1互联网金融平台的概念内涵 7

2.2互联网金融平台分类和现状 8

2.2.1 互联网金融平台分类 8

2.2.2 互联网金融平台现状 10

第三章 互联网金融平台竞争优势的构建与获取 12

3.1互联网金融平台竞争优势的构建 12

3.2互联网金融平台竞争优势的获取 13

3.3互联网金融平台竞争优势的保持 15

第四章 实证研究 16

4.1 指标选择 16

4.2 数据来源及处理 16

4.2.1数据来源 16

4.2.2信度效度分析 16

第五章 结论与对策建议 19

5.1 研究结论 19

5.2 对策建议 19

致 谢 20

参考文献 21

附录Ａ 23

第一章 绪言

1.1 选题背景与研究意义

1.1.1 研究背景

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