第三方支付影响下商业银行的对策研究

第三方支付影响下商业银行的对策研究摘要随着科技和互联网的发展，非金融机构的服务范围在不断扩大，我们的支付方式也在不断地更新和变化。第三方支付作为当下使用率最高的支付方式，其平台的发展所面临的压力也日益剧烈。它的发展离不开同商业银行的合作，它们之间既是合作又是竞争的关系，第三方支付的兴起在促进商业银行的发展同时，也给商业银行带来了不小的压力。本文将要对第三方支付给商业银行带来的影响进行研究，首先要阐述第三方支付和商业银行的理论基础、相关概念，发展现状，以及比较优势等等，重点从有利影响和不利影响两方面来探究论文的主题，找出目前商业银行在第三方支付的冲击下存在哪些问题，比如不对等的监管制约了优势发展，商业银行缺乏金融产品创新，与第三方支付的合作力度不足等等，最后针对这些问题，分析出合理的解决方案，商业银行应在面对第三方支付的冲击下，发挥银行的信誉和安全体系优势，大力拓展中间业务，开发客户资源，优化传统的金融服务，加强与第三方支付间的合作等等，保持金融市场上的主导控制地位，在竞争中加强合作，更好地促进自身发展，不断完善我国金融体系。关键词：第三方支付，金融，商业银行，影响Study on the Countermeasures of Commercial Banksunder the Influence of Third-party PaymentAbstract:With the development of technology and Internet,the service scope of non-financialinstitutions is expanding,and our payment methods are constantly updated and changed.As themost frequently used payment method at present,the pressure on the development of itsplatform is becoming increasingly fierce.Its development is inseparable from the cooperationwith commercial banks.They are both cooperative and competitive.The rise of third-partypayment not only promotes the development of commercial banks,but also brings greatpressure to commercial banks.This paper will study the impact of third-party payment oncommercial banks.Firstly,it should elaborate the theoretical basis,related concepts,development status,comparative advantages and so on of third-party payment and commercialbanks,focus on exploring the theme of the paper from the two aspects of favorable and adverseeffects,and find out what problems exist in commercial banks under the impact of third-partypayment,such as unequal supervision restricting the development of advantages,Commercialbanks lack financial product innovation,lack of cooperation with third-party payment,etc.Finally,in view of these problems,analyze reasonable solutions.In the face of the impact ofthird-party payment,commercial banks give full play to the advantages of bank reputation andsecurity system,vigorously expand intermediary business,develop customer resources,optimize traditional financial services,strengthen cooperation with third-party payment,etc,Maintain the dominant position in the financial market,strengthen cooperation in competition,better promote their own development,and constantly improve China's financial system.Keywords:Third party payment,Finance,Commercial bank,Influence目录、引言…1二、第三方支付与商业银行的概述.··(一)第三方支付的相关理论1.第三方支付的概念...2.第三方支付的特点....3.第三方支付的业务范畴...(二)第三方支付的业务流程....(三)商业银行的概念及内容..….31.商业银行的定义......2.商业银行的业务范围.....3(四)第三方支付与商业银行的优势比较….31.第三方支付的竞争优势.....32.商业银行的竞争优势.....3三、第三方支付对商业银行的影响.....(一)第三方支付对商业银行的积极影响..41.加速金融市场竞争..........42.推动商业银行金融产品创新....·43.促进商业银行扩大服务范围.....(二)第三方支付对商业银行的消极影响......1.第三方支付已覆盖商业银行的大部分服务和产品..·2.对商业银行风险管理及金融稳定带来的挑战............·63.对商业银行的客户资源带来冲击..64.对商业银行资产业务的冲击.....5.使商业银行在支付领域地位动摇.......四、第三方支付冲击下商业银行所面临的问题.…7(一)不对等的监管对商业银行发展产生制约...7(二)商业银行缺乏金融产品创新...(三)与第三方支付的合作力度不足...….8(四)缺乏互联网金融方面的复合型人才…8(五)对客户的管理与定位不明确..。。。。。..9五、商业银行面对第三方支付冲击下的对策...·….9(一)拓宽业务范围，注意客户体验....9(二)以客户为中心去创新产品发展......9(三)加强与第三方支付之间的合作....