隨著科技進步，支付工具越來越多元化，第三方支付在中美已發展成熟。面對第三方支付平台的崛起，並由主管機關主導開放非銀行業辦理代收代付及儲值業務。本研究以文獻分析法及制度比較法，從台灣金融業者的角度比較第三方支付中信託及履約保證機制所產生的影響，發現信託較履約保證機制為佳；而就制度而言，我國對第三方支付平台儲值款項在消費者權益保障最為嚴謹。銀行在承擔第三方支付業者倒閉風險的同時，亦可選擇自行發展第三方支付業務。
由於國內線上交易市場競爭激烈，為活絡網購市場，網購業者以引進中國網友至台灣網路特約商店消費為目標。本研究分析我國發展跨境代收轉付金流服務之方向，並以玉山銀行為案例，認為在國際第三方支付市場上，以合作取代競爭是值得採行的策略。同時結合台灣優質廠商，應是台灣未來金融業者與第三方支付業者可搶進的利基。
再者，第三方支付產業市場競爭激烈，與金融業產生競爭關係，尤其第三方支付平台所提供理財與放款服務十分具有市場競爭力。但是基於法規要求及各項互補產生的附加價值，產生合作關係，金融業者應審慎選擇與第三方支付業者競爭或合作。根據本研究調查目前我國銀行與第三方支付業者競爭或合作概況，同樣發現為競合關係。
最後，為提升金融業之競爭力，建議應強化電子商務技術能力，善用目前據點優勢，重視客戶反饋及增加創新服務，並積極爭取具有綜效之異業結盟，以爭取賽局有利條件。另建議主管機關為進一步保障消費者，短期宜修改《電子支付機構管理條例》相關子法，中長期宜研擬修改《信託法》。為解決跨境交易監理及課稅問題，則可利用跨境支付管理業務。 / As technology advances, payment systems grow diversity. Third-party payment has matured in China and USA. Facing the rise of third-party payment platform, and opening lead by the authority, what stategies should Taiwan's financial industry choose? The research has analyzed and compared Trust with Escrow in third-party payment, and found that Trust is a better way. As far as legal system is concerned, Taiwan values most on consumer protection. Since banks bear the risk of third-party payment company bankruptcy, they can also choose to develop their own third-party payment services.
Due to fierce competition in the domestic online market, online shopping companies dedicate to attract Internet users in China. The research has illustrated the development of cross-border payment managing service, and taken E. Sun Bank as an example. The research explored that financial institution and third-party payment company should cooperate rather than competite in the international market. Combined with high-quality manufacturers, Taiwan's financial institutions and the third-party payment companies could get more profit.
In addition, third-party payment industry is a highly competitive market, resulting in a competitive relationship with the financial industry . In particular, financial managing and loan services provided by third-party payment are very attractive. However, financial institutions and the third-party payment companies are forced to cooperate because of regulatory requirements and the value added by complement. Financial institutions should evalute carefully. According to the result of present study, it is co-opetition in this relationship.
To enhance the competitiveness, the research suggests that financial institutions strengthen the ability of e-commerce technology, make good use of the advantages of the branches, pay attention to customer feedback, establish innovative services, and actively seek alliance which makes synergy. On the other hand, the research recommend authority amend law. In order to supervise cross-border transactions and taxation, authority could use cross-border payments managing service.
| Identifer | oai:union.ndltd.org:CHENGCHI/G0102921064 |
| Creators | 吳俊德 |
| Publisher | 國立政治大學 |
| Source Sets | National Chengchi University Libraries |
| Language | 中文 |
| Detected Language | English |
| Type | text |
| Rights | Copyright © nccu library on behalf of the copyright holders |
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