Third-Party Payment Impact On Commercial Bank Profitability

Based on third-party payment and commercial Banks profit of related literature on the basis of combing, expounds the theoretical basis: they apply platform of economic theory. Has analyzed our country third party payment development present situation, found that the size of its trading has been in a state of rapid growth, although in recent years, by the scale is still expanding. At the same time, the third party payment companies emerge in endlessly, competition situation has formed. And commercial Banks in our country is in transition to the Internet, introduced a diversified network service, at the same time affected by third-party e-payment high-speed growth, the bank online trade growth rate decreases year by yearFrom the three main business of commercial Banks, the qualitative analysis of the third party payment of the impact of each of the three main business, and the impact on the profitability of the Banks. In terms of assets of the business, because the third party network lending took part bank loan business, will squeeze on its profits. But as a result of the third party network of lending primarily to individuals and small micro enterprise, different from the customers of commercial Banks, so did not actually threaten in the commercial bank, it is a supplement to the commercial Banks. In terms of liabilities business, mainly third-party payment cover and balance treasure to such third party platform products transfer part of the commercial bank deposits, drive up the cost of capital of commercial Banks. But the third party payment can affect only a small fraction of the number of deposits, so also can't poses a greater threat to commercial Banks. In terms of intermediary business, based on the third-party payment safe and convenient advantage, directly in terms of settlement, agency service for the customer with the bank resources, small scale replaced the role of the bank, cut its profitFinally, through to the third party payment build panel data regression model, quantitative analysis of the third-party payment influence on the profitability of commercial Banks, the empirical results show that the coefficient is negative, the third party payment for the profit of commercial Banks have a negative effect, is the impact on the business of commercial Banks. On the basis of the empirical results put forward policy Suggestions on the development of commercial Banks in the future...