第三方支付对上市商业银行中间业务的影响研究

发布时间：2018-01-11 03:10

本文关键词：第三方支付对上市商业银行中间业务的影响研究　出处：《山西财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：第三方支付伴随着中国电子商务的崛起应运而生,目前,已处于应用成熟期,成为了主要的支付方式和信用中介,近年来其交易规模得到稳定持续地发展。也因此传统的商业银行面临了前所未有的机遇与挑战,无论是从中间业务的角度,金融脱媒的角度,利率市场化的角度等各方面,显然都受到了第三方支付迅猛发展的影响和冲击。基于以上现实背景,本文从第三方支付企业和中间业务的发展现状入手,站在商业银行中间业务的角度,探究第三方支付给其带来的影响,并提出政策建议。首先,本文简要介绍了第三方支付的含义、发展历程、主要机构,运用定量分析方法对年度数据和季度数据的解析来阐述其发展现状,并从市场规模、不同机构所占份额和交易结构三个角度进行比较研究。其次,介绍了商业银行的中间业务,并对商业银行近年来的中间业务收入进行数量上对比,在相关数据基础上分别论述了第三方支付对商业银行中间业务的积极促进作用及给其带来的挑战。最后,结合面板分析方法,除了将第三方互联网支付外也将第三方移动支付规模也引入模型中进行定量分析,得出第三方互联网支付和第三方移动支付都对其起到了一定的促进作用,这种促进作用源于商业银行的不断改革和创新;在定性和定量分析的基础上,提出相关对策建议。本文将理论研究和实证分析相结合,对商业银行中间业务的发展提出了以下四点建议使商业银行中间业务得到可持续发展:第一,以产品为核心,大力推广创新中间业务产品,发挥商品驱动重构价值链优势;第二,合理化定价策略,防范相关风险;第三,进行场景支付建设,提升服务质量;第四,技术策略方面进行技术创新,确保安全性。
[Abstract]:With the rise of e-commerce in China, third-party payment has emerged as the times require. At present, it has been in the period of application and maturity, and has become the main payment method and credit intermediary. In recent years, the scale of its transactions has been steadily and continuously developed. Therefore, the traditional commercial banks are faced with unprecedented opportunities and challenges, whether from the perspective of intermediary business, financial disintermediation. The angle of interest rate marketization has obviously been affected and impacted by the rapid development of third-party payment. Based on the above realistic background, this paper starts with the development of third-party payment enterprises and intermediary business. From the perspective of commercial bank intermediary business, this paper explores the impact of third-party payment on it, and puts forward policy recommendations. Firstly, this paper briefly introduces the meaning, development process and main institutions of third-party payment. Using the quantitative analysis method to analyze the annual data and quarterly data to explain the current situation of its development, and from the market size, different institutions share and trading structure of three angles to compare and study. Secondly. This paper introduces the intermediate business of commercial banks, and compares the income of intermediate business of commercial banks in recent years. On the basis of relevant data, the paper discusses the positive promotion role of third-party payment to commercial bank intermediary business and the challenges it brings. Finally, combined with panel analysis method. Besides the third-party Internet payment, the scale of third-party mobile payment is also introduced into the model for quantitative analysis. It is concluded that third-party Internet payment and third-party mobile payment have played a certain role in promoting it. This kind of promotion function originates from the continuous reform and innovation of commercial banks; On the basis of qualitative and quantitative analysis, this paper puts forward the relevant countermeasures and suggestions. This paper combines theoretical research with empirical analysis. This paper puts forward the following four suggestions for the development of commercial bank intermediary business: first, take the product as the core, vigorously promote innovative intermediate business products. Exerting the advantage of commodity driving and reconstructing value chain; Second, rationalizing pricing strategies to guard against related risks; Third, pay for the scene to improve the quality of service; 4th, the technical strategy carries on the technical innovation, guarantees the safety.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2;F724.6

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