第三方支付对商业银行业务的影响

The Impact of Third-Party Payment on Commercial Banking

摘要: 新世纪以来，互联网技术的发展日新月异，我国第三方支付行业在此红利期也获得了巨大发展，同时金融机构的不断改革以及金融机制的不断完善，也为第三方支付提供了良好的成长环境。根据近几年的统计数据可以发现第三方支付在表现出强大发展动力的同时，对商业银行的各项业务也产生了不同方向、不同程度的影响，且在一定意义上促进了商业银行的创新和转型。本文以商业银行为中心，通过分析第三方支付企业与商业银行的不同业务模式，探索第三方支付对商业银行各项业务的影响机制，为商业银行在新形势下的发展提供相应的政策建议。

Abstract: Since the new century, the development of Internet technology has been changing with each passing day. China’s third-party payment industry has also achieved tremendous growth during this dividend period. At the same time, the continuous reform of financial institutions and the continuous improvement of financial institutions have also provided a good environment for third-party payment. According to statistics from recent years, we can find out that while the third-party payment shows strong development momentum, it also has different directions and different degrees of influence on the various businesses of commercial banks. And, in a certain sense, the third-party payment promoted the innovation and transformation of commercial banks. This article is centered on commercial banks, exploring the different business models of third-party payment companies and commercial banks, and exploring the impact mechanism of third-party payment on various businesses of commercial banks to provide corresponding policy recommendations for the development of commercial banks in the new situation.