第三方支付兴起对商业银行影响及策略研究——以支付宝为例.doc

第三方支付兴起对商业银行影响及策略研究——以支付宝为例 摘要 随着计算机网络技术的飞速发展，电子商务应用领域不断扩大，电子业务已 经深入到人们的日常生活中，最典型的莫过于第三方支付业务的快速成长。在发 展初始阶段，商业银行由于网络支付业务上的不足，给第三方支付技术的发展带 来有利时机，我国第三方支付技术的发展速度较快，目前已经有多家电子商务公 司推出第三方支付业务，较为常见的如支付宝、财付通等，第三方支付技术的发 展不仅促进了我国互联网电子商务的全面发展，同时也为电子商务行业带来可观 利润。第三方支付经历了多年的迅速发展，如今已经壮大，对商业银行已经产生 了不可忽视的影响。对于任一商业银行而说，电子商务业务成为提升银行利润的 重要手段，多家银行也将第三方支付技术的研发与推广作为银行主要业务，相继 推出了网银转账和在线支付等金融系列产品，并且直接与中小商户对接，开展多 方合作，积极应对第三方支付业务发展给其业务经营带来的影响和风险冲击。 本文主要研究了第三方支付的迅猛发展对商业银行产生的影响。并且以支付宝为案例深入的分析了第三方支付业务的发展情况和由此产生的影响，在此基础上对两者的发展情况作出对比，并就两者之间的关系进行了分析与总结，为有效降低在线支付业务的风险性，和解决存在的主要问题提供可行性方案，促进商业银行的快速、健康发展。 【关键词】 支付宝 商业银行 影响及策略 竞争 Abstract With the rapid development of computer network technology, electronic commerce application domain expands unceasingly, electronic business has deep into peoples daily life, the most typical one is the rapid growth of the third-party payment.In the initial development stage, the commercial banks bring the opportunity to the development of the third-party payment technology because of the insufficiency of the online payment business, the third-party payment technology of our country develops fast, at present many e-commerce companies have launched the third-partypayment, such as Alipay, Tenpay and etc. The development of the third-party payment technology not only promotes the comprehensive development of the Internet e-commerce, but also brings the considerable profit for the e-commerce industry.After years of rapid development, the third-party payment has been growing up, and has deep influence on the commercial banks. For any commercial bank the e-commerce businesses become the important means to boost the profits of the banks,the banks will also look the development and popularization of the third-partypayment technology as the main business of the bank, and have launched online banking transfer and online payment and other financial products, at the same time they dock with the small and medium-sized b