臺灣建立第三方支付交易平台之可行性分析

Abstract

短短二十年裡，電子商務藉著第三方支付做為其金流擔保而得以快速擴張，相同地，第三方支付也藉著電子商務擴張得以蓬勃發展，漸漸成為廣為使用的支付工具。世界主要國家第三方支付業務發展快速並持續擴張，臺灣今年完成第三方支付專法的制定已於2015年5月4日正式施行，努力急起直追。臺灣在確立第三方支付服務的合法性後，應積極規劃第三方支付服務下一步走向，以求在未來數位金融市場中取得優勢。本研究基於「市場-制度-技術」分析架構，提出建立為第三方支付服務提供清算、授信、借貸及其他數位金融工具的整合性交易平台的構思，並分析其是否可行。 第三方支付交易平台並不是一個為一般使用者提供第三方支付服務的平台，而是為第三方支付服務業者提供清算平台及與其他數位金融產品異業結盟的平台，整合清算、授信及借貸等重要金融活動。第三方支付交易平台以強化第三方支付服務的清算功能出發，結合大數據科技，產生網路信用評等報告，提供網路借貸平台及其他數位金融商品使用，創造使用第三方支付的交易場合，也整合交易流程中重複的資訊，簡化作業程序。本文針對第三方支付市場面、制度面、技術面現況進行分析，瞭解第三方支付服務所處環境，建立交易平台所需要之條件，並以落差分析檢視達到預期之改善途徑。 本探索性研究發現，網路共享經濟將會成為未來生活重要的消費模式，而電子支付工具也必因此成為未來重要的支付工具，而其中第三方支付是最具發展性的電子支付工具。具有整合功能的第三方支付交易平台，不只可整合相關金融產品的關聯性，也反應出第三方支付市場面、制度面、技術面三股驅動力量，得以發揮其驅動力並交互影響帶領產業進步發展。固然，第三方支付市場面發展蓬勃且極具發展潛力，仍需配合技術面的創新及制度面的開放，快速彌補相關落差，以符合未來成為數位金融市場及消費市場重要支付工具發展的契機。

In the past two decades, the third-party payment instruments have evolved into a globally fast-growing electronic payment channel by handling settlement of e-Commerce. Taiwan had implemented all the process of third-party payment regulations on May 4, 2015, that made the third-party payment service is a legal payment service in Taiwan now. An integrated platform for third-party payment could be the competitiveness of Taiwan, and the study is trying to explore the feasibility of establishing this integrated third-party payment platform in Taiwan by M-I-T structure of analysis. The integrated third-party payment platform provides cross-company clearing system for third-party payment service and forms an alliance with other financial technology products. Enhancing the capability by the cross-payment clearing system under this integrated platform, analyzing the transactions via this clearing system, providing credit-rating report for P2P lending platform by generating the transaction data are the operations of this integrated third-party payment platform. The exploratory study concludes that the internet share economy will be an important consumption patterns in the near future, and the third-party payment system will be the most important electronic payment channel of internet share economy. An integrated third-party payment platform not only connects the third-party payment service and internet share economy, but also reflects the third-party payment service in a balance of market, institution and technology. Given that the third-party payment service market is still blooming now, the only choice for Taiwan would be to hold on the opportunity with deregulation and platform enhancement.