金融-第三方支付与商业银行竞合关系研究.docxVIP

PAGE 4 第三方支付与商业银行竞合关系研究 摘要 经过近些年的发展，中国第三方支付市场已经由一个新兴的行业逐渐发展成为一个不断成熟、合规、被大家熟知的行业。第三方支付已经成为中国金融支付体系中不可或缺的一员，代表企业有支付宝、财付通、汇付天下、快钱等。随着第三方支付不断拓展业务的广度与深度，其已经开始侵蚀银行的份额，惊人的增长速度让银行倍感压力。商业银行作为我国金融体系的主导力量，其发展的好坏直接影响着经济运行的好坏。在互联网金融背景下，发展和完善商业银行业务来提高竞争力具有重要意义。本文在阐述相关理论及基础上，总结了第三方支付发展现状，然后分析了商业银行和第三方支付之间竞争与合作的关系，并以支付宝为例分析支付宝对商业银行业务的影响，最后提出了商业银行和第三方支付关系发展的合作策略。 关键词：第三方支付；商业银行；支付宝  Abstract In recent years, Chinas third party payment market has gradually evolved from a new industry to a mature, regulated and well known industry. Third party payment has become an integral part of Chinese financial payment system, on behalf of the enterprise Alipay, TenPay, remittance world, fast money etc. As the third party payments continue to expand the breadth and depth of their business, it has begun to erode the banks share, and the alarming growth rate has made banks feel more pressure. As the leading force of Chinas financial system, commercial banks have a direct impact on the quality of the economic operation. In the face of new forms of Internet banking, Commercial Bank of China how to develop and perfect the traditional business and intermediate business to improve their own competitiveness, has a certain practical significance for the good operation of sustained, stable and healthy development of Chinas commercial banks and the economy. This paper summarizes the development situation of the third party payment enterprises, a comprehensive analysis of the competition and cooperation between commercial bank and third party payment, analyzes the existing cooperation and competition of commercial banks and third party payment problems, and in the case of Alipay further analysis, finally puts forward the strategy of the third party payment and commercial banks to further develop cooperation. Key words: the third party payment; commercial bank; Alipay  目 录 TOC \o 1-3 \h \z \u 摘要 1 Abstract 2 一、绪论 5 （一）目的和意义 5 （二）国内外研究现状 5 1.国外研究现状 5 2.国内研究现状 6 （三）方法和思路 7 二、网络经济