我国第三方支付对商业银行经营业务的影响(1).docx

我国第三方支付对商业银行经营业务的影响 摘要 在传统的支付体系下，商业银行一直基本垄断着网络交易。然而2013年以来，互联网金融在我国迅猛发展，大数据时代悄然来临。作为其主要分支之一的第三方支付（如支付宝、财付通、银联商务等），经过十多年的沉淀，三年的高速发展，逐渐以其便捷度、高效性、服务多样性晋升成为人们日常生活的“必需品”，满足了传统商业银行服务体系下难以囊括的用户体验和需求。因此，面对经营业务的相互交叉与重合，传统的商业银行如何在金融脱媒的逆境中，合理利用众多新兴支付中介的增长趋势，迎接机遇和挑战，则成为一个重要议题。 本文从商业银行的角度出发，首先简要介绍了第三方支付的概念、业务发展模式，以及理论基础；其次分析商业银行相对比较优势，进而从一般性影响和风险性冲击两个方面论述第三方支付对商业银行经营业务带来的影响，并通过建立商业银行盈利能力模型对业务影响进行实证检验。最后本文就商业银行面临的困境提出几点应对的对策： 关键词 第三方支付 商业银行业务 盈利模式 互联网金融 Abstract： In the traditional payment system, commercial banks have been the basic monopoly of online transactions. However, since 2013,with the rapid development of Internet finance in China, the era of large data quietly coming. As one of its main branches of the third party payment (Such as Alipay, TenPay, CUP business and etc.), after more than 10 years of precipitation, three years of high-speed development,and gradually with its convenience, efficiency and service diversity，it has been promoted to become Peoples daily “necessities” to meet the difficulty for traditional commercial banking service system to include the user experience and needs. Therefore, in the face of the cross and coincidence of the business and financial disambiguation, how can traditional commercial banks make use of the growth trend of many emerging payment intermediaries and meet the opportunities and challenges becomes an important topic. This paper first introduces the concept of third party payment, business development model, and theoretical basis from the perspective of commercial banks. Secondly, it analyzes the comparative advantage of commercial banks, and then discusses the impact of third party payment on commercial banks business from the aspects of general impact and risk impact, and conduct empirical tests on business impact through the establishment of commercial banks profitability model. Finally, this paper puts forward some countermeasures to the difficulties faced by commercial banks. Keywords：Third party payment Commercial