论文总字数：20196字

摘 要

金融科技作为一个新概念、一种新技术的集合，正在对于我们的生活产生影响，尤其是在支付结算这一个本身就发展比较完善的领域。在这样的前提之下，金融科技的不断创新仍然在近几年之内持续不断的对支付结算体系造成影响，结构上由本来的央行和商业银行两方构成变成如今有了第三方支付的加入，内容上形式也呈现出多样化的特征，由原先的线下现金支付、票据交换支付等方式如今完成了线上线下无差异的支付模式，甚至有了刷脸支付等更加先进的方式。金融科技对于支付结算的渗透是全面性的。

本文总结了以第三方支付和电子支付为代表的金融科技，以及支付结算体系的发展历程，以分析金融科技对于传统商业银行的影响机制和影响效应。并且以京东金融为案例分析电子支付和区块链在支付结算场景中的应用以及需要面对和解决的风险因素，最后作出总结和预测将来金融科技发展的方向和态势。本文的结论为：金融科技对于支付结算的贡献是巨大的，大大的提高了交易效率和安全性，也促进了产业的更新换代，然而未来还是需要更多对于风险的防范。

关键词：金融科技；商业银行；支付结算；电子支付；区块链；风险因素

Study on the influence mechanism and efficiency of fintech innovation on payment and settlement

Abstract

Fintech, as a new concept and a collection of new technologies, is having an impact on our lives, especially in the field of payment and settlement, which is already developed. Under which, the continuous innovation of financial technology still within recent years continuing impact on the payment and settlement system, the structure consists of the central bank and commercial banks on both sides had become now has the addition of the third party payment, content also shows the characteristics of diversified in form, from offline, such as cash now completed the online no difference mode of payment, even with the brush face pay more advanced way, etc. The penetration of fintech into payment and settlement is comprehensive.

This paper summarizes the financial technology represented by third-party payment and electronic payment, as well as the development process of payment and settlement system, in order to analyze the influence mechanism and effect of financial technology on traditional commercial Banks. Taking jingdong finance as a case study, this paper analyzes the application of electronic payment and block chain in payment and settlement scenarios and the risk factors that need to be faced and solved, and finally summarizes and predicts the development direction and trend of fintech in the future. My conclusion of this paper is: the contribution of fintech to payment and settlement is huge, which greatly improves the transaction efficiency and security, and also promotes the upgrading of the industry. However, more risk prevention is still needed in the future.

Key Words：Fintech；Commercial Bank；Payment And Settlement；E-Pay；Blockchain；Risks

目录

摘要 I

Abstract II

第一章 绪论 1

1.1选题背景与研究意义 1

1.2主要研究内容与研究方法 1

1.2.1文献研究法与系统分析法 1

1.2.2案例分析法 2

1.2.3归纳总结推演法 2

1.3创新之处 2

第二章 文献综述 3

2.1金融科技的概念 3

2.2支付结算体系的发展综述 4

2.3 金融科技对支付结算影响综述 4

第三章 我国银行支付系统和第三方支付的发展现状 6

3.1我国支付结算体系的发展历程 6

3.2 我国银行业与第三方支付企业合作情况总结 7

第四章 金融科技对支付结算的影响机制与效应 8

4.1影响机制 8

4.1.1金融科技的革新挤压了传统银行业的业务 8

4.1.2支付服务的组织性创新 9

4.1.3安全保障的创新 9

4.1.4增值服务的创新 9

4.1.5支付系统的创新 9

4.2影响效应 10

4.2.1移动电子支付对于传统银行票据和银行卡支付的影响 10

4.2.2区块链技术对于传统商业银行的影响 12

第五章 金融科技运用于支付结算案例分析 15

5.1战略机遇 15

5.2竞争优势 16

5.3困难与挑战 17

第六章 结论与建议 18

6.1结论 18

6.2政策建议 18

6.3研究展望 19

参考文献 20

致谢 22

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