第三方支付对商业银行传统业务的影响分析.docxVIP

经典专科、本科、硕博、研究生、期刊毕业论文 经典2019成稿 仅供参考 精心整理 仅供参考 勿用作商业用途 摘　要 随着信息技术的发展，以阿里巴巴的支付宝和财付通为代表的第三方支付平台开始成为我们生活中不可或缺的一种支付工具。第三方支付的出现促进商业银行传统业务电子化进程，也促进了商业银行传统业务经营理念的转变。与此同时，商业银行传统金融业中的支付工具受到威胁。面对第三方支付带来的威胁，商业银行传统业务如何提高自身竞争力是保障其可持续发展的基础。 文章首先从第三方支付的相关理论入手，在对第三方支付的概念，特点进行研究的基础上，详细介绍了当前我国极具代表性的支付宝、财付通这两大第三方支付平台；其次，文章从早期萌芽、快速发展、市场监审慎发展三个阶段对我国第三方支付的发展历程进行阐述；再次，针对第三方支付对商业银行的影响，从促进商业银行转变经营理念、推动传统业务电子化，促使商业银行重视中小企业贷款三个方面论述了其有利影响；同时，对其不利影响从分流活期存存款、威胁定期存款、抢占中小企业市场份额、分流信用卡贷款四个方面进行了重点剖析；最后针对第三方支付对商业银行传统业务的不利影响，提出商业银行的应对措施。 关键词：第三方支付　传统业务　电子支付  Abstract With the development of information technology, the third-party payment platform represented by alipay and tenpay has become an indispensable credit payment tool in our life. The emergence of third-party payment has promoted the electronic process of traditional business of commercial Banks, and also promoted the transformation of traditional business philosophy of commercial Banks. At the same time, payment instruments in the traditional financial industry of commercial Banks are under threat. Faced with the threat of third-party payment, how to improve the competitiveness of traditional business of commercial Banks is the basis for their sustainable development. Firstly, this paper starts with the relevant theories of third-party payment, and on the basis of the research on the concept and characteristics of third-party payment, introduces in detail the two most representative third-party payment platforms in China, alipay and tenpay. Secondly, this paper expounds the development process of Chinas third-party payment from the three stages of early germination, rapid development and market supervision and prudent development. Thirdly, in view of the impact of third-party payment on commercial Banks, this paper discusses its beneficial impact from three aspects: promoting commercial Banks to change their business philosophy, promoting the digitization of traditional businesses, and encouraging commercial Banks to attach importance to