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

In the context of big data,Internet technology has been extended to various fields,and the smart combination of Internet and finance has gradually emerged in people's vision.Internet companies led by tencent and alibaba have achieved rapid development.The third-party payment industry represented by alipay and tenpay is also rising rapidly,which has greatly changed the current payment situation in China.WeChat payment and alipay payment have become the main payment methods,and occupy a very important position in the overall payment and settlement field,which has a huge impact on the traditional business of commercial Banks.The research object of this article is a third-party payment and commercial Banks,the paper mainly discusses the third party payment impact on commercial bank profitability and commercial Banks how to deal with the challenge of third-party payment,first of all,Internet financial,third-party payment and commercial Banks,profitability,elaborates the deposit and lending business,middle business and other related concepts,research the commercial Banks with the third party payment platform of cooperation and competition relations,further development,the third-party payment platform convenient for people to live better and promote the further development of the financial industry.While bringing development opportunities,it also faces more challenges.As early Internet banking business,the third party payment popularity,maturity is higher and higher,use the field more and more widely,third-party payment and commercial Banks by the initial cooperation relationship evolved into the competition,and then to the third party payment for commercial bank asset liability business and intermediary business has carried on the deep analysis of the influence of profitability,in the era of constant progress,the third-party payment platform has not only confined to the original settlement business,also started towards other business development,third-party payment by attacking the commercial bank deposit source,increase the cost of sequestration of commercial Banks,Rob commercial bank personal consumption loans,and small micro enterprise loan market share,reduce margin of commercial bank,the deposit and lending business profitability is reduced,by attacking the payment and settlement business,rob agency business,weaken the bank cardfunctions,leading to the intermediate business of commercial bank profit levels drop,after the theoretical analysis on commercial bank deposit and lending business spreads,intermediate business profit on the basis of the data,selected the 10 commercial bank financial statement data in 2018,using the sensitivity of pressure test method,research on the third-party payment constantly under the influence of the commercial bank spreads continue to reduce,intermediate business under the condition of increasing replacement ratio,Changes in the profitability of commercial Banks.Finally,the paper puts forward some constructive Suggestions on how commercial Banks should deal with the challenges brought by third-party payment,improve the quality of service to the real economy and enhance profitability.