온라인 결제방식의 무역결제방식으로서의 가능성에 관한 연구 : 중국 Aliapy를 중심으로 = An Analysis of the Possibility of Online Settlements as the New Method of International Trade Settlements : A Focus on Chinese Alipay

다국어 초록 (Multilingual Abstract)

With the rapid development of economy and the acceleration of economic globalization, international trade has undergone significant changes in the increasingly fierce international trade market. The presence of competition is always felt. Cross-border relations between countries with relation to debt, international monetary payments, international trade settlement and other activities are all undergoing major changes. As the traditional way of international trade settlement, the status of letters of credit is gradually declining. Since the 1990s, with the development of information technology network and computer application, the Internet has undergone a series of changes, resulting in a new electronic trade settlement system. The new electronic trading system combined with international trade has formed its unique advantages (low-cost, easy to participate, reflecting the rapid demand, etc.), and is widely accepted by many countries and regions.
TradeCard, Bolero, BeXcom and so on are the typical way of the electronic trade settlement, however, due to the law, the operation, the policy anda number of other reasons, the frequency of their use in the recent years gradually reduces. On the contrary, small electronic trade settlement methods, such as PayPal, international credit card, Payonneer, Webmonery, and KOPSPay, are growing rapidly, and are expanding in the world market due to their own unique advantages, cutting a striking figure in international trade settlement market.
On the other hand, e-commerce has a number of unparalleled advantages in international trade in terms of reducing costs, improving transaction efficiency, reducing dependence on infrastructure, improving customer satisfaction and respecting for traditional way of international trade; Meanwhile, it also uniquely positioned to expand international trade space and location, to shorten the distance and time of international trade, to simplify international trade procedures and processes and to make international trade, more intelligent, paperless and simplified. As a result, profound changes are observed in international trade.
Alipay is an important example of e-commerce in international trade settlement applications. Third-party payment platform--Alipay payment, as a safe, fast and convenient way of online transaction, opens up the bottleneck restricting the development of e-commerce. And as an important e-commerce-related industry, its importance has become increasingly evident. At present, Alipay is already the world's largest third-party payment platform. Alipay is designed to offer online transaction security payment services and its very essence is the operation of Alipay as a credit intermediary. Before money goes from buyer to seller or the other way around, payment is put in temporary custody at Alipay. The intervention of third-party payment platform in international settlement is only a matter of time, With the globalization of e-commerce to promote cross-border online transactions quickly put on the agenda, third-party payment platform "overseas strategy" is starting to make its appearance in the sea water surface.
The first part of this paper introduces the research background, purpose of research methods and related literature at home and abroad. The second part analyzes the importance, characteristics, advantages and disadvantages of electronic trade and electronic trade settlement mode mainly from the angle of electronic trade and settlement of electronic trade. The third part briefly introduces the electronic trade settlement system and several small electronic trade settlement methods. The fourth part is a key part of the article. It gives the definition of Alipay, details its operation in China, advantages and disadvantages and its various way of settlement. It also make a case study of its operation in the international market. The fifth part analyzes Alipay and PayPal, Payonneer, Webmonery and KOPSPay separately from their common points and different points, and puts forward some feasible and simple suggestions for Alipay to become the settlement way of international trade. The sixth part is the conclusion of this paper. It elaborates the unique advantages of Alipay as a major international trade in the future, and further stressed that the Alipay is very likely to play a big role in the future settlement of international trade.
Keywords: Trade Settlement System, Alipay, Third-party Payment Platform, International Trade.
Student ID : 201450756

목차 (Table of Contents)

• 제1장 서론 1
• 제1절 연구배경 및 목적 1
• 제2절 연구방법 및 구성 3
• 제3절 선행연구 5
• 제2장 전자무역 및 전자무역 대금결제에 관한 개념적 고찰 11
• 제1절 전자무역 11
• 1. 전자무역의 정의 11
• 2. 전자무역의 필요성 14
• 3. 전자무역의 특징 16
• 제2절 전자무역 대금결제 19
• 1. 전자무역 대금결제의 의의 19
• 2. 전자무역 대금결제의 필요성과 특징 20
• 3. 전자무역 대금결제의 요건 및 장단점 25
• 제3장 전자무역 대금결제의 유형 36
• 제1절 전자무역 대금결제 시스템 36
• 1. 기존 전자무역 대금결제 방식 36
• 2. 기존 전자무역 대금결제방식의 활용 저조 원인 41
• 제2절 소액전자무역 대금결제 방식 42
• 1. PayPal 42
• 2. 신용카드 결제방식 44
• 3. Payoneer 47
• 4. Webmoney 50
• 5. KOPSPay(Kotra On-line Payment Service) 51
• 제4장 중국의 Alipay 운영과 국제화 56
• 제1절 Alipay의 운영 56
• 1. Alipay의 개념 및 중국 내 운영 56
• 2. Alipay의 장단점 61
• 3. Alipay의 결제과정과 다양한 결제방식 64
• 제2절 Alipay의 국제화 현황 69
• 1. Alipay 국제화의 필요성 69
• 2. Alipay의 국제화 사례 71
• 제5장 Alipay와 기타 결제 방식의 비교 분석 75
• 제1절 Alipay와 전자무역 대금결제 시스템의 비교 75
• 제2절 Alipay와 소액전자무역 대금결제방식의 비교 77
• 1. Alipay와 Paypal의 비교 77
• 2. Alipay와 신용카드 결제의 비교 80
• 3. Alipay와 PayoneerWebmoney의 비교 82
• 4. Alipay와 KOPSPay의 비교 85
• 제6장 결론 88
• 참고문헌(REFERENCE) 90