摘要移动互联网时代，电子商务的兴起带动了移动支付市场的蓬勃发展，而一切电子商务的交易都离不开移动支付。移动支付所具有的灵活性、快捷性、及时性的特点改变了广大用户的生活方式和支付方式。移动支付的发展虽然不断规范和完善，但是仍存在种种局限和不足。随着移动支付行业竞争日益激烈，制定行之有效的对策来规避风险实现利益最大化至关重要。本文首先对我国的移动支付行业的背景和现状进行分析，为后续的案例研究做好铺垫；然后以移动支付行业中最具有代表性的支付宝钱包和微信支付为主要研究对象，从入口、商业模式和盈利模式进行比较分析；再基于支付宝钱包和微信支付的风控能力、支付能力和理财能力三个方面对平台竞争力进行比较分析；最后，提出相应的对策促进两者健康发展。51940

Abstract:During epoch of Mobile Internet,E-commence ,which is on the upgrade brings along the flourishing development of mobile payment market.However,all the businesses of E-commence can't be done without mobile payment.The flexibility,rapidity,timeliness of mobile payment,has changed the lifestyles and modes of users.Although the standardization and perfection of mobile payment are progressive ,it still has many limits.So,it's vital to make effective counter measures in order to avoid risks and maximize the profits because of the intense conflicts of mobile payment industry.The background and current situation of the mobile payment has been analyzed in these paper for the following case studies.Alipay wallet and Wechat payment are the most representative products,which have been selected as the subjects of the study.And comparative analysis of their entrance,business model,profit model as well as platform competitive,including risk management capability,payment capacity and financial ability is given.At last,effective solutions are given for a healthy development between Alipay wallet and Wechat payment.    

毕业论文关键词：支付宝钱包; 微信支付;盈利模式;平台竞争力

 Keyword: Alipay wallet;Wechat payment;Profit model;Platform competitiveness

目    录

1引言 4

1.1研究背景和意义 4

1.2研究内容 4

2文献综述 4

2.1支付宝钱包和微信支付的相关研究 4

2.1.1国外相关研究 4

2.1.2国内相关研究 4

2.2研究中存在的问题 5

3 中国移动支付行业的现状分析 5

4 支付宝钱包与微信支付的比较研究 5

4.1入口比较 6

4.2商业模式比较 6

4.3基于斯莱沃斯基盈利模式的比较分析 6

4.3.1用户群体 7

4.3.2盈利来源 8

4.3.3盈利模式 9

4.3.4竞争壁垒 11

4.4支付宝钱包和微信支付的平台竞争力比较 11

      4.4.1 风控能力 12

4.4.2 支付能力 12

      4.4.3 理财能力 13

    4.5 支付宝钱包和微信支付的比较结论