Commercial Bank Electronic Payment System Impact Studies

Development of information technology to the commercial banks had a tremendous impact, making the payment and settlement functions of commercial banks basically achieved electronically, significantly reducing operating costs. Meanwhile, e-commerce bank operational systems, particularly electronic payment system on the national economy, in turn, has had a profound impact on electronic payment systems derived electronic money, production and development of electronic money gradually reduced cash nationals economic impact, and also affect the demand and supply of money. With the commercial bank electronic payment process system, coupled with the rapid development of Internet technology, a variety of new emerging economic organization and mode of operation, payment methods also innovation, especially in the last two decades of triumph electronic merchant platform profound impact on the way people lifestyle, resulting Internet banking has become a hot topic academia. Tracing the source, however, the effect is like a series of dominoes really started in the commercial bank’s electronic payment system.Based on the research on the basis of related literature at home and abroad, combing the commercial bank payment system in 30 years the process of electronic banking landscape of the impact on the world, and the integrated use of the theory of financial intermediation, Baumol-Tobin inventory theoretical analysis of the payment systems for electronic image of the commercial banks, electronic money payment system for electronic money derived from the impact of demand and supply, as well as the financial impact of the Internet. In the empirical analysis, this paper, the correlation analysis and Granger causality test, using a bank card penetration、Mo/GDP、M2/GDP and other indicators for the theoretical analysis of the empirical results. Finally,I will put forward the corresponding countermeasures.