第三方支付发展对商业银行中间业务的影响研究

第三方支付发展对商业银行中间业务的影响研究摘要在如今这个互联网经济风起云涌的时代，电子支付或者说第三方支付平台得到飞速发展，但同时他们的支付功能使传统银行业面临巨大竞争。也给商业银行优化升级服务模式，提升市场影响力带来了机遇。本文从我国电子支付发展历程出发，阐述发展中面临问题、优化解决的路径以及未来发展趋势等几方面，在结合社会实际的基础上，采取翻阅文献资料、开展走访座谈、发放问卷调查等方式方法，开展分析研究，对第三方支付产生的影响和国家政府政策可能走向进行判断分析。探讨电子支付和传统商业银行中间业务竞合关系，对于电子支付对于传统银行业的促进作用，推动储蓄、结算等功能的优化，拓宽银行的业务范围、渠道逐一进行剖析和深入研究，并根据支付结算、代理业务、基金代销、理财项目的现状，分享自己的意见和建议，关于如何让传统银行提升竞争力，更好应对第三方支付拍平台的挑战，如何围绕便捷支付、结算等核心内容，加强网点建设、提升服务水平。同时注重拓宽与第三方支付平台合作，积极拓宽合作、拓展服务功能。另外，进行业务模式与技术创新，推动业务创新、实现技术改革。最后推动银行业务新型人才战略，优化招聘模式、培养储备人才，从而实现商业银行的转型发展。关键词：商业银行：中间业务：第三方支付：转型发展The impact of the development of third-party payment on theintermediary business of commercial banksAbstract:The development of third-party payment has brought an impact on the intermediarybusiness of commercial banks,and brought opportunities for commercial banks to optimize andupgrade their service mode and enhance their market influence.Based on the analysis andreview of the literature about the impact of third-party payment on commercial banks at homeand abroad,this paper discusses the operation and profit model of the existing third-partypayment,the related status and development direction,and analyzes the impact on the businessof commercial banks.Through the research,it is found that the relationship between thethird-party payment and the intermediary business of commercial banks is the relationship ofcompetition and cooperation,so as to analyze the influence of the third-party payment on theintermediary business of commercial banks,and think that the development of the third-partypayment can improve the settlement ability of the bank's intermediary business,and expand thedevelopment channels of the bank's intermediary business.But it also squeezes the paymentsettlement and agency business,and impacts the fund sales and financial management business.Therefore,this paper puts forward the Countermeasures for commercial banks to deal with thedevelopment of third-party payment business,and suggests that commercial banks build thecore competitiveness of banking services,strengthen the network construction,and improve theservice level.At the same time,we should pay attention to broaden the cooperation with thethird-party payment platform,and actively expand the cooperation and service functions.Inaddition,business model and technology innovation should be carried out to promote businessinnovation and realize technological reform.Finally,we should promote the new talent strategyof banking business,optimize the recruitment mode,and cultivate reserve talents,to realize thetransformation and development of commercial banks.Key words:Commercial banks;intermediary business;third party payment;transformation anddevelopment目录一、引言.1二、概念综述1(一)第三方支付.11.第三方支付的内涵.12.第三方支付的业务模式…2(二)商业银行.31.商业银行的内涵….32.商业银行的业务结构.3三、第三方支付对商业银行中间业务的影响.4(一)第三方支付的发展概况.41.第三方支付市场规模现状….42.第三方支付的市场前景现状.5(二)第三方支付与商业银行中间业务的关系.61.竞争关系现状.…62.合作关系现状…6(三)第三方支付对商业银行中间业务的影响….71.提升银行中间业务结算能力.。.72.拓展银行中间业务发展渠道...73.挤压支付结算以及代理业务….84.冲击基金代销以及理财业务….9四、商业银行应对第三方支付业务发展的