The Research Of Cooperation Between Commercial Banks And Third-party Payment Companies

With the use of internet technology in the financial sector,e-commerce and internetbanking gradually come into people’s lives, make people’s lives more convenient service,andgradually recognized and trusted by people. With the development of e-commerceindustry,third-party payment companies grow rapidly, in terms of online payment,electronicbanking and other commercial banks have a certain threat.Third party payment companies tobecome the monopoly of traditional commercial banks were threatened by the third-partypayment companies to bring the Internet revolution has fully finance in full swing. Faced withthis situation, commercial banks and third-party payment companies can only achievelong-term win-win cooperation.Object of this study is: commercial banks and third-party payment companies, researchtheir cooperation in the development of their relationship. Commercial banks and third-partypayment companies have complicated relations, The third party payment companies relyentirely on commercial banks from the beginning, Now it’s more competitive thancooperation. With the development of third-party payment companies, which led thedevelopment of internet finance, the bank is also increasing emphasis on the financial impactof the Internet on the financial markets, and attaches great importance to the relationshipbetween the third-party payment. Currently, in the world of e-commerce has become a trend,and driven by the development of financial development of the Internet has changed thetraditional commercial banks. Commercial banks and third-party payment companies is themost important part in e-commerce and internet finance activities, requires both sides toestablish a stable and effective partnerships in order to strengths them, compensate for theirweaknesses. Better for our electronic payment services and financial markets. From theperspective of mutual relations between the departure summarized overview of thedevelopment of third-party payment companies, research the conflict of commercial banksand third-party payment companies deeply, the advantages and disadvantages of both of them,why should they cooperate, how to optimize cooperation cooperation.Put forwardsuggestions to optimize bilateral cooperation and cooperation issues in the hope that there issome reference to the real meaning.