Research On The Impact Of Third-party Payment On Commercial Banks And Countermeasures

In recent years our country obtained the rapid development of e-commerce,online shopping is becoming more common,the promptness of consumers in the means of payment,convenience and safety are put forward higher requirements,more traditional payment and settlement of commercial Banks become more and more difficult to meet the diverse needs of the market.In this context,pay-andescrow,quick and other third-party payment enterprises came into being.After more than a decade of development,the third-party payment perfect mature,are no longer limited to provide simple pay channel,but actively to expand its business scope to include payment settlement,network,credit,investment,finance and credit payment.With the continuous development of third-party payment enterprises,expanding the scope of overlap with commercial Banks.In the face of the effects of third-party payment enterprises,commercial Banks also gradually realized the importance of change.And Banks are in different degree,the financial innovation,trying to pay with a third party agencies give full play to its advantages in the competition.Against this background this paper mainly study the effect of the third party payment of commercial Banks and countermeasures.At first,this paper is analyzed from the perspective of theory,on the one hand,the third-party payment of commercial bank deposit and lending business,the influence of the intermediate business and customer resources.On the other hand,from the perspective of the whole show third-party payment on commercial bank risk control model,business model,and the influence of the core competitiveness.Secondly this article to the third-party payment to made empirical analysis on the influence of commercial Banks.Through theoretical and empirical analysis found that the third party payment indeed has certain influence on the commercial Banks.Then this paper tells the story of facing the influence of the third-party payment enterprises,Banks took steps to deal with.With the industrial and commercial bank of China as an example,effect of response,derive inspiration.Finally combining all the analysis in this paper,commercial Banks to deal with the influence of the third party payment advice.The Suggestions included in this article include: 1.Financial innovation and stable deposit business;2.Increase cooperation with third-party payments to expand lending operations;3.Focus on the mobile payment market and promote intermediate business development;4.Innovate marketing to attract customers.