第三支付对中小商业银行中间业务影响的研究.docxVIP

PAGE III 摘 要 我国传统的银行业日常所采用的支付结算方式一直是核心业务，支付结算业务有稳定利润来源、拓展银行业务的重要战略地位。我国出台《非金融机构支付服务管理办法》之后，伴随着央行的超级网银系统的建成并上线，外加第三方支付机构或企业的牌照陆续被审批通过，第三方支付方式被普遍看好，得到了很好的发展。第三方支付监管的规范性与外部环境的复杂性决定了银行业务范畴里的支付结算并不稳定，这也给我国传统的商业银行带来了较大的冲击，因为就目前的情况来看，传统商业银行在支付结算业务方面并不具备绝对的竞争优势。 本文以平安银行为例，对第三支付对中小商业银行中间业务影响问题进行研究。在电子银行领域的实际发展状况为实例，研究分析在现如今第三方支付大规模兴起的情况下，平安银行的实际发展状况如何。在目前的经济大环境及第三方支付机构对银行造成的冲击之下，平安银行面临着怎样的机遇和困难，然后根据平安银行的自身优势、实际发展情况并结合类似案例给出对策建议，谋求出平安银行与第三方支付机构合作共赢的发展思路。 关键词：中小商业银行；第三方支付；平安银行；支付结算业务  Abstract For Chinas traditional banking industry, the daily payment and settlement method has always been its core business. As an important part of the intermediary business of Banks, the payment and settlement business has an important strategic position of stable profit source and expanding banking business. After the promulgation of the measures on the administration of payment services of non-financial institutions in China, with the establishment and launch of the super online banking system of the central bank, and the approval of the licenses of third-party payment institutions or enterprises, the third-party payment method has been generally favored and developed well. The standardization of third-party payment supervision and the complexity of external environment determine the instability of payment and settlement in the scope of banking business, which also brings great impact to traditional commercial Banks in China, because traditional commercial Banks do not have absolute competitive advantages in payment and settlement business at present. Taking ping an bank as an example, this paper studies the impact of third payment on intermediate business of small and medium-sized commercial Banks. Taking the actual development situation in the field of electronic banking as an example, this paper studies and analyzes the actual development situation of ping an bank in the context of the large-scale rise of third-party payment. In the current economic environment and third-party payment