金融-第三方支付对商业银行结算业务的影响研究.docxVIP

PAGE PAGE II 第三方支付对商业银行结算业务的影响研究 摘要：伴随着金融市场的逐步对外开放和改革的不断深入，金融市场逐渐进入国际化和市场化的阶段，银行业面临的国内外竞争愈演愈烈。传统的结算方式被改变，第三方支付取而代之，在智能手机普及的时代，第三方支付业务凭借其便利快捷的优势瞬间占领了市场。具有社交属性的支付宝和微信支付等主流第三方支付渠道，还开发出余额宝和理财通等理财产品沉淀了银行业大量的资金，成为商业银行强劲的竞争对手。本文通过分析商业银行的竞争优势，提出了其应该采取的具体应对措施。最后，本文最后选取招商银行作为案例，通过介绍其结算业务的现状和转型措施，进一步佐证本文观点并期望为我行银行业转型发展提供参考意见。 关键词：第三方支付；商业银行；结算业务；影响 Abstract: With the gradual opening up of financial markets and the deepening of reform, financial markets have gradually entered the stage of internationalization and marketization, and banking industry is facing increasingly fierce competition at home and abroad. Traditional settlement methods have been changed, and third-party payment has taken the place of third-party payment. In the era of smartphone popularization, third-party payment business has occupied the market instantly by virtue of its convenient and fast advantages. The mainstream third party payment channels, such as Alipay and WeChat, which have social attributes, have also developed financial products such as balance treasure and CAITONG, which have accumulated a large number of funds in the banking industry and become strong competitors of commercial banks. By analyzing the competitive advantages of commercial banks, this paper puts forward the specific measures they should take. Finally, this paper chooses China Merchants Bank as a case, through introducing the current situation of its settlement business and transformation measures, to further support this point of view and hope to provide reference for the transformation and development of our banking industry. Key words: third-party payment; commercial banks; settlement business; impact  目 录 TOC \o 1-3 \h \z \u 1引言 1 2第三方支付业务与商业银行结算业务相关概念分析 1 2.1 相关概念界定 1 2.1.1第三方支付的概念 1 2.1.2银行结算业务的概念 2 2.2我国第三方支付业务的种类 2 3第三方支付业务对商业银行结算业务的影响 3 3.1对商业银行的支付结算业务收入存在挤出效应 3 3.2对商业银行客户群产生分流效应 3 3.3增加商业银行的外延风险 4 4我国商业银行结算业务发展的现状与存在的问题 4 4.1我国商业银行结算业务发展的现状 4 4.2我国商业银行结算业务发展存在的问题 5 4.2.1结