| The rapid development of network information technology and communication technology achieved amajor change in business model, and then there is a new demand for cash flow and information flow, alsoto pay service pattern has brought the huge change. To meet the electronic commerce development needs,to provide safe, convenient and efficient money transfer service, payment services subject to different usersto provide a variety of emerging electronic payment services. On the one hand, non-financial institutions tojoin payment service providers, and the diversification of demand for businesses launched a variety of newand convenient payment tool, has broken the original banking institutions dominate the payment servicepattern. The speeding up of the marketization of interest rate, on the other hand, the banking institutionspay more attention to the development of intermediary business, banking institutions in keeping the papersuch as the original traditional payment business at the same time, began to expand emerging electronicpayment based on the bank card business. At present, the payment mechanism at a lower price offer similaror identical with the bank service, the way of service in the field of payment service market competition isbecoming more and more fierce. However, due to the capital liquidation channels through the liquidation ofBanks eventually need to complete, therefore, must have a cooperation between the two. Two paymentservice subject in today’s complex relationship, explore the development of the road it is critical thatcompetition and cooperation. On this basis, using the SWOT analysis method, clarify their respectiveadvantages and disadvantages and the current relationship between competition and cooperation, to explorea suitable for joint development of competition and cooperation mechanism. Finally, in pay treasure, forexample, an introduction to the practice of the current competition and cooperation and to summarizeexperiences. |
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