我国商业银行面临的第三方支付平台之挑战及对.doc

我国商业银行面临的第三方支付平台之挑战及对策 PAGE \* MERGEFORMAT 18 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。本文从第三方支付行业的历史及当前现状入手，着力分析该行业可能会对商业银行业务产生的冲击，同时也指出了商业银行在网上支付业务中特有的优势，并提出了迎接挑战的相应解决对策。 [关键词] 商业银行 网上银行 第三方支付 挑战 The challenge of?third-party?payment platform to Chinas 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 Chinas commercial banks associated services (particularly Internet banking) have some impact. Coming with the third-party payment industrys 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 目录 TOC \o 1-3 \h \z \u HYPERLINK \l _Toc292470630 引言 PAGEREF _Toc292470630 \h 5 HYPERLINK \l _Toc292470631 一、当前国内电子商务市场及第三方支付行业现状 PAGEREF _Toc292470631 \h 5 HYPERLINK \l _Toc292470632 （一）我国目前电子商务市场现状 PAGEREF _Toc292470632 \h 5 HYPERLINK \l _Toc292470633 （二）我国目前第三方支付平台发展状况 PAGEREF _Toc292470633 \h 6 HYPERLINK \l _Toc292470634 二、第三方支付平台对商业银行经营的挑战 PAGEREF _Toc292470634 \h 9 HYPERLINK \l _Toc292470635 （一）商业银行中间业务受到第三方支付平台冲击 PAGEREF _Toc292470635 \h 10 HYPERLINK \l _Toc292470636 （二）商业银行潜在顾客受到第三方支付平台挤占 PAGEREF _Toc292470636 \h 11 HYPERLINK \l _Toc292470637 （三）商业银行贷款业务逐步被第三方支付平台分流 PAGEREF _Toc292470637 \h 12 HYPERLINK \l _Toc29247063