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| 互联网金融生态下第三方支付组织市场创新研究
摘 要
随着互联网行业及金融市场的高速发展，互联网第三方支付市场也在不断发展和创新，不知不觉现金交易几乎被电子交易完全取代。第三方支付植根于各平台开始着眼于新的市场环境进行不断的创新发展，迸发更强大的生命力。基于各种市场需求，第三方支付展现出了难以想象的创造力。后来第三方支付开始进入金融生态市场，催生了诸如P2P、众筹和网络信贷等新的金融业务。传统的金融市场借助互联网科技的发展也渐渐转变为互联网金融，第三方支付可以说是实现互联网金融最重要的工具之一，互联网金融得益于第三方支付技术的发展，而创新是发展的源泉。
创新不是无中生有，它是对客观存在的知识理论进行归纳总结，最后实践得出的结果。因此本文研究的第一步是浏览相关文献以了解研究内容的基本框架，通过阅读对其进行充足的了解后，基于实践是检验真理的唯一标准，本文针对重点内容设计了问卷内容，广泛收集数据，使研究具备科学严谨性。通过系统的研究，我了解到第三方支付组织市场的创新发展历程，探究了它对互联网金融发展的重要性，最后总结提出基于互联网金融生态下第三方支付组织市场创新的见解。
[关键词]：互联网金融；第三方支付组织；市场创新
Abstract
With the rapid development of the Internet industry and financial market,the Internet third-party payment market is also constantly developing and innovating. Unknowingly, cash transactions are almost completely replaced by electronic transactions.Third-party payment is rooted in various platforms and began to focus on the new market environment for continuous innovation and development, bursting with more powerful vitality. Based on various market demands, third-party payment has shown unimaginable creativity.Later, third-party payment began to enter the financial ecological market,giving birth to new financial services such as P2P, crowdfunding, and online credit. The traditional financial market has gradually transformed into Internet finance with the help of the development of Internet technology. Third-party payment can be said to be one of the most important tools to realize Internet finance.Internet finance benefits from the development of third-party payment technology.And innovation is the source of development.
Innovation is not made out of nothing,it is the result of summarizing objectively existing knowledge theories and finally practicing. Therefore, the first step of the research in this article is to browse the relevant literature to understand the basic framework of the research content. After a sufficient understanding of it through reading,based on practice is the only criterion for testing truth, this article designs the content of the questionnaire for the key content and collects extensive data. , Make research with scientific rigor.Through systematic research, I learned about the innovation and development process ofthe third-party payment organization market,explored its importance to the developmentof Internet finance, and finally summarized and put forward insights on the market innovation of third-party payment organizations based on the Internet financial ecology.
[Key Words]: Internet finance; Third-party payment organizations; Market innovation
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