Research Of Win-win Cooperation Between Regional Commercial Banks And Third Parties

For a long time,China's regional commercial banks have made important contributions to improving the banking market structure,improving the efficiency of fund allocation and promoting the sustainable,healthy and stable development of the local economy.However,with the rise of e-commerce,traditional payment methods can not meet the needs of enterprises and individuals.In the development of e-payments,not only do regional commercial banks strengthen financial innovation and develop online banking,but also many third-party payment companies will develop new payment applications for many traditional financial services,resulting in overlapping business.The rise of the third party payment platform solved the cash flow problem in the development of e-commerce and innovation of Internet industry,and further maintained the safety of the network financial environment.In addition,in the development process,with the emergence of more innovative products,third-party payments are being applied to a greater number of areas,and strong funds transfer services are provided to many individuals and enterprises while meeting the diversity of customer demand for payment services.The relationship between the third-party payment platform and the regional commercial banks has been concerned since its inception.As third-party payment enterprises began to develop,regional commercial banks,in order to profit from a large number of small transactions in the market,engaged in friendly cooperation with third-party payment enterprises and provided payment gateway interfaces.However,there is a strong similarity between the business of the third-party payment enterprise and the intermediate business of the regional commercial bank,and competition between them is inevitable.Therefore,we must rely on the openness and cooperation of both sides to achieve a win-win situation,promote the scale of China's mobile payment development process,expand the scope of business,achieve product innovation,and join the international market.On the basis of this,combined with the author's actual work,this paper takes a rural commercial bank and Alipay as an example,takes the feasibility of their cooperation as the object of discussion,and first elaborates the research background,significance and research methods related to this research.Secondly,the related concepts and theories are summarized.This paper analyzes the operation of a rural commercial bank and Alipay,and the cooperation between them.Then put forward a certain rural commercial bank and pay treasure cooperation concrete measure,the final conclusion summarizes the whole text,hopes to be helpful to a certain commercial bank and pay treasure cooperation aspect research,and has the practical guidance meaning to the author's word.