关于当前第三方支付生态系统建设的研究——基于共生理论视角

Research on Ecological Construction of Third-party Payment Industry from the Perspective of Ecology

当前我国第三方支付市场飞速发展,移动支付巨头正覆盖便民生活、企业交易等高频场景。在互联网金融不断变革的大背景下,第三方支付行业研究已不再是一个独立的单元,而是不断地与外界环境进行信息、物质和能量的交换,因而应当将其看成一个开放的生态系统。基于生态学共生理论来探究第三方支付生态系统的生态特征和运行状况,从共生理论角度研究第三方支付生态系统与其他生态系统的共生模式,并提出规范支付环境的建设性意见,对建设好第三方支付生态系统具有重要作用。

At present, China’s third-party payment market is developing rapidly. Mobile payment giants are covering such high-frequency scenes as convenient life and business transactions.with the continuous change of the Internet financial, research for third-party payment cannot be thought of as a separate payment institution, but an open ecosystem,which is continuouslyexchanginginformation, material and energy with the external environment.Based on the symbiosis theory of ecology, this paper explores the ecological characteristics and operation status of the third-party payment ecosystem.From the perspective of symbiosis theory,this paper studies the symbiosis model between the third-party payment ecosystem and other ecosystems.It also puts forward constructive suggestions on standardizing payment environment, which plays an important role in building a good third-party payment ecosystem.