第三方支付对中国商业银行盈利能力影响的实证分析.docVIP

摘要 中国国内电子商务兴起于2000年，随着互联网的普及运用快速发展壮大，成为人们生活中不可缺少的一部分。电子商务中存在消费者与商家之间的信任问题，第三方支付应运而生。经过近二十年的爆炸式发展，第三方支付已不仅仅局限于支付结算业务，而是积极开拓消费金融，理财，信贷等市场业务，这与中国商业银行的业务重叠范围不断扩大，两者影响程度也在加深。 本文依据收集的中国商业银行和第三方支付数据，运用计量方法进行回归分析，呈现第三方支付对商业银行盈利能力的影响情况，并就结果对现阶段情况对于商业银行的改革创新提出一些建议。 关键词：第三方支付；商业银行；盈利能力；实证分析 ABSTRACT Chinas domestic e-commerce rose in 2000, and it develops rapidly with the popularization of the Internet, it has become an indispensable part of peoples lives. There is a problem of trust between consumers and businesses in e-commerce, and third-party payment arises at the historic moment. After nearly two decades of explosive development, the third-party payment has no longer limited to the payment and settlement business, but also actively develops the consumer finance, financial planning, credit and other market businesses, which is increasingly overlapping with the business scope of Chinas commercial Banks, and their mutual influence is gradually deepening. Based on the collected data of Chinas commercial Banks and third-party payment, this article makes a regression analysis by using the measurement method, presents the effect of third-party payment on the profitability of Banks, and puts forward some suggestions on the development and reform of commercial Banks at the present stage based on the results. Key words: Third-party payment;Commercial bank;Profitability;Empirical analysis PAGE PAGE 17 目录 30493_WPSOffice_Level1 1 引言 1 22713_WPSOffice_Level2 1.1 研究背景及意义 1 32140_WPSOffice_Level3 1.1.1 研究背景 1 4301_WPSOffice_Level3 1.1.2 研究意义 1 30160_WPSOffice_Level2 1.2 理论基础 2 16034_WPSOffice_Level3 1.2.1 关于互联网金融的研究 2 16397_WPSOffice_Level3 1.2.2 关于第三方支付的研究 2 7640_WPSOffice_Level3 1.2.3 关于第三方支付对商业银行盈利能力影响的研究 2 15686_WPSOffice_Level2 1.3 研究内容及方法 3 22462_WPSOffice_Level3 1.3.1 研究内容 3 29821_WPSOffice_Level3 1.3.2 研究方法 3 5754_WPSOffice_Level2 1.4 本文创新及不足 3 20934_WPSOffice_Level3 1.4.1 创新之处 3 24138_WPSOffice_Level3 1.4.2 不足之处 3 22263_WPSOffice_Level1 2 第三方支付对中国商业银行盈利