第三方支付发展对商业银行的影响研究.pdfVIP

本科论文 摘 要 我的论文课题主要是研究近些年来第三方支付的迅速崛起对商业银行会带来什么 样的影响或是机遇，商业银行面临这样的挑战又该如何应战而不被淘汰。近些年来我们 通过数据不免看出，只有商业银行与第三方支付之间友好相处、互帮互助，两者才能走 得更远发展的更好，例如第三方支付主要采取的是网上渠道，而商业银行更多的是线下 业务，如果商业银行愿意向第三方支付学习利用网上渠道服务于客户，那么第三方支付 可以说是为商业银行提供了的捷径，使得商业银行推出网络电子支付业务更加容易。但 是第三方支付的发展对商业银行来说是具有挑战性的，因为它已经开始严重危害了商业 银行的利益，商业银行的大头存贷款业务因第三方支付的发展而受到冲击，另外还有中 间业务也受到了威胁，而我所研究课题的目的就是寻求一个两全其美的途径让两者之间 可以成为一种互相学习、共同发展的这样一种关系——共赢。 [关键词]第三方支付，商业银行，影响，措施 Abstract The topic of my thesis is mainly to study the impact or opportunity that the rapid r ise of third- party payment will bring to commercial banks in recent years. How should commercial banks face such challenges and not be eliminated. In recent years, we cant help but see t hrough the data that only commercial banks and third- party payments can get along and help each other to go further and develop better. For example, third- party payments mainly use online channels, and Commercial banks are more of an offli ne business. If commercial banks are willing to learn from third- party payment and use online channels to serve customers, then third- party payment can be said to be a shortcut for commercial banks, making commercial b anks launch online electronic payment services more easily. However, the development o f third- party payment is challenging for commercial banks, because it has begun to seriously ha rm the interests of commercial banks. The large- scale deposit and loan business of commercial banks has been impacted by the developm ent of third- party payment. Business is also threatened, and the purpose of my research project is to find a way to achieve the best of both worlds so that the two can become a relationship o f mutual learning and common development-a win-win situation. 本科论文 Key words: Third party payment ，Commercial Banks ， impact ，measures 本科论文 目 录 第一章 绪论1 1.1 研究背景与研究