借鏡中國大陸經驗　探討台灣電子支付的對策

Learning from the Experience of Mainland China to Explore the Countermeasures of Electronic Payment in Taiwan

石鎧禎(Kai-Chen Shih)

指導教授 ： 林蒼祥

淡江大學/商管學院/財務金融學系碩士在職專班/碩士(2018年)

https://doi.org/10.6846/TKU.2018.00076

摘要

根據研究報告，2017年中國大陸第三方支付（意同台灣的電子支付，文中以電子支付通稱）規模達143.26兆元人民幣為GDP的173%，而同年上半年台灣電子支付規模為1.77兆元新台幣為GDP的21%，可見兩者規模之差異。中國大陸的電子支付雖由電子商務而起，但真正讓其快速成長的主因是：理財產品導入、多元第三方服務與線下行動支付。在上述原因之中，如要用來做為台灣電子支付的借鏡，會以線下行動支付為主要探討議題。
經本文研究，如要發展台灣線下行動支付，主要的問題有：1.市場規模小與產業成熟; 2.行動支付平台林立; 3.兼營業者的包袱與框架; 4.商戶成本增加。因此，在研究中國大陸電子支付歷程與阿里巴巴手機支付寶發展策略後，提出的對策與建議。首先，政府需大幅開放電子支付業務。其次，政府須建構統一的電子支付框架，此框架可用現行台灣Pay所整合出來的共通標準QR Code與後端款項結算和清算流程作為基礎。

關鍵字

第三方支付 ； 電子支付 ； 支付寶

並列摘要

A study of third-party payment (which means electronic payment in Taiwan and known as electronic payment in this article), in 2017 the amount in Mainland China was 143.26 trillion RMB which was 173% of GDP. In the first half of the same year, Taiwan’s electronic payment was 1.77 trillion NTD which was only 21% of GDP. The difference between those two scales can be seen. Although the electronic payments in Mainland China started with e-commerce, the main reasons for their rapid growth are: the introduction of financial products, multiple third-party services, and offline payment. Among the above reasons, offline payment will be the main topic of discussion.
After studying, we can know that if we want to develop offline payment in Taiwan, the main problems are: 1. The market is small, and the industry matures; 2. The offline payment platform is too much; 3. The existing business model is a burden of bank; 4. The cost of stores increase. Therefore, after studying the electronic payment process in Mainland China and the development strategies of the Alibaba Alipay, the countermeasures and suggestions are put forward. First, the government needs to open more the business of the electronic payment services. Second, the government must establish a unified electronic payment framework. This framework can be based on the standardized QR Code and payment settlement and clearing system which are already integrated by the TaiwanPay.

並列關鍵字

Third-party payment ； electronic payment ； Alipay

參考文獻

1.INSIDE，(2016)，別再傻傻分不清！台灣的電子支付和第三方支付差別在哪？，https://www.inside.com.tw/2016/12/05/whats-the-difference-between-electronic-and-third-party-patments。

2.人民網，(2018)，支付寶移動支付佔比已超八成，http://finance.people.com.cn/BIG5/n1/2018/0103/c1004-29741408.html。

3.中時電子報，(2014)，支付寶 稱霸全球行動支付市場，http://www.chinatimes.com/newspapers/20140209000762-260309。

4.中時電子報，(2017)，大陸行動支付領跑全球規模達美國90倍，http://www.chinatimes.com/newspapers/20170925000050-260203。

5.中時電子報，(2017)，問問FinTech》搞懂電子支付、第三方支付、行動支付，http://www.chinatimes.com/realtimenews/20170402000017-260412。