我国商业银行面临的第三方支付平台之挑战及对策.doc

我国商业银行面临的第三方支付平台之挑战及对策 我国商业银行面临的第三方支付平台之挑战及对策 [摘要] 随着电子商务在我国的发展，网上支付已经成为人们日常生活所必不可少的一项工具，随之发展壮大的第三方支付行业已经成为近两年来我国金融和电子商务领域一个极具发展潜力的新兴行业。可以预见的是，由于业务的部分重叠性，随着第三方支付行业的发展壮大，该行业必然会对我国商业银行相关业务（尤其是网上银行业务）产生一定的冲击。 [关键词] 商业银行 网上银行 第三方支付 挑战 我国商业银行面临的第三方支付平台之挑战及对策 The challenge of third-party payment platform to China’s Commercial banks and Countermeasures [Abstract] As e-commerce development in China, online payment has become an essential everyday tool. Third-party payment industry has become a new industry of financial and e-commerce for the past two years. It is foreseeable that, due to overlap of business, with the development and expansion of third-party payments industry, the industry is bound to China’s commercial banks associated services (particularly Internet banking) have some impact. Coming with the third-party payment industry’s history and current situation, this article analyzes the third-party payment industry could have the impact to commercial banking industry and puts forward corresponding countermeasures. Meanwhile, I also pointed out the the unique advantages of commercial banks in online payment business and put forward the corresponding countermeasures. [Key words] Commercial Banks Online Banking Third-party Payment Challenge 2 我国商业银行面临的第三方支付平台之挑战及对策 目录 引言................................................................ 4 一、当前国内电子商务市场及第三方支付行业现状........................ 4 （一）我国目前电子商务市场现状............................... 4 （二）我国目前第三方支付平台发展状况......................... 5 二、第三方支付平台对商业银行经营的挑战.............................. 8 （一）商业银行中间业务受到第三方支付平台冲击................. 9 （二）商业银行潜在顾客受到第三方支付平台挤占................ 10 （三）商业银行贷款业务逐步被第三方支付平台分流.............. 11 三、商业银行相对于第三方支付平台的竞争优势......................... 12 （一）商业银行拥有足够的信息来确认买方的支付能力............ 12 （二）商业银行具有更强的技术实力来保证网络支付的安全........ 13 （三）商业银行是网上支付业务的实际结算者.................... 13 四、商业银行应对第三方支付平台挑战的对策........................... 13 （一）发展完善网银系统，努力开发其他新型中间业务............ 14 （二）介入电子支付市场，努力发展零售业务.................... 15