第三方支付与商业银行的合作路径研究

发布时间：2018-06-22 21:39

本文选题：第三方支付 + 商业银行　；参考：《天津大学》2014年硕士论文

【摘要】：当前，互联网发展迅速，电子商务也进入到加速发展时代，而促成其发展的一个最主要因素就是第三方支付的发展。第三方支付作为一种新兴的非银行金融机构越来越被广泛使用。其成立之初主要是依托大型的电子商务交易平台，目的是为了减少网上交易风险。随着第三方支付的不断发展，，其也开始涉足一些商业银行的中间业务，在一定程度上侵占了原属于商业银行的利润，商业银行也注意到了这一点，开始争取这部分利润，第三方支付公司与银行呈现出一种竞争的态势。但是双方本身就是性质完全不同的机构，并且都具有各自的优势和不足，所以双方其实是一种互补的关系。如果第三方支付机构与商业银行可以利用好这种关系，相互合作发展，则可以实现一种双赢的发展。本文的研究对象就是是第三方支付与网上银行，通过分析第三方支付发展的原因，阐述其业务流程、发展现状以及商业银行的金融创新模式来解析第三方支付对于商业银行的影响，并进一步分析二者的竞合关系，推断出第三方支付与商业银行的合作大于竞争。第三方支付应当依托商业银行来发展，同时商业银行也要从第三方支付的发展中看到互联网所带来的经济效益，应该充分的利用互联网这一渠道来发展创新。本文意在寻求二者共赢的合作模式，在带给人们更好用户体验的同时，提高了双方的经济效益。
[Abstract]:At present, with the rapid development of the Internet, e-commerce has entered an era of accelerated development, and the development of third-party payment is one of the most important factors contributing to its development. As a new non-bank financial institution, third-party payment is more and more widely used. At the beginning of its establishment, it mainly relies on large e-commerce trading platform, in order to reduce the risk of online trading. With the continuous development of third-party payment, it began to set foot in the intermediary business of some commercial banks, encroaching on the profits originally belonging to commercial banks to a certain extent, and the commercial banks also noticed this and began to strive for this part of the profits. Third-party payment companies and banks show a competitive trend. But the two sides are completely different in nature, and have their own advantages and disadvantages, so the two sides are in fact a complementary relationship. If third-party payment institutions and commercial banks can make good use of this relationship and cooperate with each other, they can achieve a win-win development. The research object of this paper is third-party payment and online banking. By analyzing the reasons for the development of third-party payment, this paper expounds its business process. The present situation and the financial innovation mode of commercial banks are used to analyze the impact of third-party payment on commercial banks, and further analyze the relationship between the two, and infer that the cooperation between third-party payment and commercial banks is greater than competition. The third party payment should rely on the commercial bank to develop, at the same time, the commercial bank should also see the economic benefit brought by the Internet from the third party payment development, should make full use of the Internet this channel to develop the innovation. The purpose of this paper is to seek a win-win cooperation model, which brings people a better user experience and improves the economic benefits of both parties.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F724.6;F832.2

【参考文献】