A Study On The Cooperation Mode Between The C2C Third-Party Payment Enterprise And The Bank

Third-party payment system has reduced the risk of online transactions and prevented the occurrence of fraud effectively, which has improved online trading environment greatly. At present, China's C2C third-party payment market is on the stage of rapid development, but the conflicts are gradually increasing between the third- party payment companies and banks. At this point, the research of the cooperative mode between banks and companies is particularly necessary. The research can not only provide advice to stabilize the C2C third-party payment market, but also offer some financial regulatory reference.This paper firstly introduces the concept of third-party payment, then analyzes the business model of domestic C2C third-party payment service, and furthermore, studies the root cause of conflict between third-party payment system and traditional banking system. Through introducing the service supply chain framework, this paper analyzes the key elements of the third- party payment industry and the relationships between them. Then here come the characteristics of this industry, and point out the central issue is the cooperation mode of banks and third-party payment enterprises, which indicates the necessity and urgency of studies on bank-enterprise cooperation mode.Under the basis of questionnaire research, this paper porposes an optimized mode for the C2C third-party payment service supply chain from the point of view of maintaining and stabilizing the development of the market. The optimization focuses on avoiding disorderly competition and unnecessary market risk by adjusting the benefit distribution of both sides, in order to encourage the two sides concentrate on what they do best. The cooperative level of the two parties can increase in this way, and all the parties in this market can form a more stable third-party payment service supply chain. Finally, this research designs a computer simulation program to study the market fluctuation after optimization, and the simulation results confirm the conclusions of this paper further.