兩岸第三方支付：現況與展望兼論合作前景

The Third-Party Payment Across The Taiwan Strait: The Current Situation and the Prospects of the Cooperation

林子傑(Tzu-Chieh Lin)

指導教授 ： 周繼祥

國立臺灣大學/社會科學院/國家發展研究所/碩士(2017年)

https://doi.org/10.6342/NTU201702643

摘要

隨著電子商務的蓬勃發展及行動支付裝置不斷推陳出新之下，跨國網路消費已成為趨勢，其中第三方支付更是成為當前兩岸電子商務網路購物的熱門消費支付模式，此一支付模式不僅拓展全新型態的企業經營模式，還以更安全便捷的金流機制改變消費者對於購物的支付習慣，成為一個新興且進步快速的發展領域。
現今我國政府及國內第三方支付業者都展現出推動第三方支付發展的決心，但兩岸人民在消費觀念及消費文化上出現顯著差異，使得國內銀行業及第三方支付業者在短期之內仍難與中國大陸第三方支付企業進行商業競爭，再加上兩岸第三方支付法制規範要求與關稅課徵制度的落差，更加深兩岸第三方支付發展不對等的情形，也讓我國承受鉅額貿易差損失，因此兩岸政府若能互相合作共同解決上述問題，相信對於兩岸第三方支付相關產業的發展，將會有極大的助益。
本研究將對兩岸第三方支付之現況發展、原先兩岸既有簽署之經濟與金融合作基礎以及相關法律規範等部分進行探討，並透過深度訪談的方式，提出未來兩岸第三方支付具體可行之合作模式，以期有效擴大兩岸第三方支付合作規模，促進我國第三方支付產業發展，使兩岸在第三方支付的發展上，獲得更大的商機與資訊科技突破，也期盼藉由本文對於推動未來兩岸第三方支付合作有所啟發，進而促成相關具體合作事宜。

關鍵字

電子商務 ； 行動支付裝置 ； 第三方支付 ； 金流機制

並列摘要

The introduction of new transitional network consumption, with the rapid development of electric commerce and mobile payment devices, has become a trend. Thus the Third-Party Payment is to become the current cross-strait e-commerce network of popular consumer payment model. This payment model not only an expansion of a new type of business model, but it is also a more secure and convenient mechanism that will change the flow of gold for consumers to pay for their shopping habits. This will emerge as a rapid development of the field.

As of today, both the Chinese and Taiwanese government’s domestic Third-Party Payment industry are showing determination to promote the development of Third-Party Payment, but both sides of the industry have displayed significant differences of consumer attitudes and consumer cultures. In the short term, there are still difficulties for Taiwan’s banking and its Third-Party Payment industry to survive in Mainland China, since the business competition in China are hard to compete with. Additionally, the Third-Party Payment has an increased gap differences with the cross-strait legal requirements and the tariff levy system between Taiwan and China. Taiwan suffered huge trade loss because of the unequal situation that was developed from the cross-strait third-party payment. Thus, I believe, in order for the development of cross-strait third-party payment with their affiliated industries to flourish, China and Taiwan will have to work together to solve the gap differences’ problem.

This study will discuss the current situation of the Third-Party Payment between China and Taiwan, the basis of the existing economic and financial cooperation signed by the two sides of the strait and its relevant legal norms, through the in-depth interviews which will propose a concrete and feasible cooperation model for future cross-strait third-party payment. In order to effectively expand the scale of cross-strait third-party payment cooperation, It is vital to promote the development of Third-Party Payment industry. As the development of the cross-border access of Third-Party Payment will be great for business opportunities and tremendous information technology breakthroughs. Therefore, the concern of this article will hope to inspire the promotion of future cross-Tripartite payment cooperation, and contributing to the other relevant cooperation matters.

並列關鍵字

Electronic Commerce ； Mobile Payment Devices ； Third - Party Payment ； Flow Mechanism

參考文獻

7、周繼祥（2007）。《政治學21世紀的觀點》。臺北：威仕曼文化事業股份有限公司。

20、賴映潔等（2010）。《圖解政治學》。臺北：城邦文化事業股份有限公司。

17、梁桂燕、邱俊榮(2015)。〈第三方支付對我國銀行發展的影響〉，《中華管理發展評論》：25-45。

21、陳顥仁(2015)。〈第三方支付的創新模式與發展概況〉，《台灣經濟研究月刊》：44-54。

28、蔡宗霖(2010)。〈網路交易支付大躍進：簡介中國非金融機構支付服務管理辦法〉，《科技法律透析》，第22卷(第11期)：9-13。