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

• Main Authors: Kai-Chen Shih, 石鎧禎
• Other Authors: 林蒼祥
• Format: Others
• Language: zh-TW
• Published: 2018
• Online Access: http://ndltd.ncl.edu.tw/handle/jqy525

碩士 === 淡江大學 === 財務金融學系碩士在職專班 === 106 === 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.