CAJ | 학술논문

我国基金销售各渠道间发展不平衡,银行渠道垄断特征显著,渠道成本高,客户体验不佳,不利于基金行业发展。第三方支付作为基金交易的资金流转方式,是一种便捷的支付工具,通过第三方支付进行基金申购或交易存在市场发展空间。本文顺应政府对行业监管的需要,结合实践介绍第三方支付企业与基金管理公司的合作模式,提出引入第三方支付平台作为基金销售渠道,通过电子商务的形式完善基金的多元化销售模式。
아국기금소수각거도간발전불평형,은행거도롱단특정현저,거도성본고,객호체험불가,불리우기금행업발전。제삼방지부작위기금교역적자금류전방식,시일충편첩적지부공구,통과제삼방지부진행기금신구혹교역존재시장발전공간。본문순응정부대행업감관적수요,결합실천개소제삼방지부기업여기금관리공사적합작모식,제출인입제삼방지부평태작위기금소수거도,통과전자상무적형식완선기금적다원화소수모식。
The development of fund marketing channels in China is unbalanced and banking channel is monopolistic. The situation of high channelcost poor customer experience is not conducive to the development of the fund industry. The third party payment as a trading fund cash flow mode, is a kind of convenient payment tool. There is market space to purchase fund or trade through the third party payment platform. The paper follows the needs of the government industry regulation, combined with the practice of cooperation model between the third party payment companies and fund management company, proposes the introduction of the third party payment platform as the fund sales channels, through the form of e - commerce sales model perfect diversified fund.