| In recent years,the third-party payment has been developing quickly.Alibaba launched Alipay,and followed by a series of similar payment platforms,such as Tenpay and WeChat Pay,be used by hundreds of millions of users due to their convenience.The third-party payment is growing mature gradually,and becoming the trend of payment method.It gains recognition from more and more consumers,grabs the clients from commercial banks,and captures the market share in payment and settlement.Thus,how the commercial bank could recover the“transaction flow”and regain the“loyal clients”becomes the key research project for commercial banks’competition with the third-party payment under the circumstances of quick development of third-party payment.Firstly,this article defines the third-party payment,describes the development trend,and makes quantitative analysis to its volume and structure.And it concludes that the third-party payment has assured a place in the payment and settlement market.Besides,the growth rate of the trade volume of the third-party payment is increasing year by year,and it mostly replaces the payment and settlement function of the traditional banks.Secondly,it introduces the trend of internet banking.It analyzes the advantages and drawbacks of internet banking in terms of the character of third-party payment.It concludes that the commercial banks have been significantly affected in terms of client base and intermediary business income,etc.And then,it suggests that the banks should set up banking business and transaction banking according to the requirements of the clients,and increase customer loyalty.It should confirms clients that banks are the most direct financial service providers whenever we are.Thirdly,the article focuses on the development approaches of the transaction banking of the commercial banks based on the concept of transaction banking and its significance.There are 4 elements for setting up transaction banking.Define the transaction banking mode suitable for their own development;Gradually enhance the service function;Strengthen the contraction of the transaction platform;Rationally build up the organization structure,i.e.the transaction banking should maximize the clients5 value and provide a good user experience.Finally,it concludes that although the development of third-party payment generates certain impact on the payment and settlement market of the commercial banks,the latter could stabilize their own market as long as they can change their concepts,and quickly find a suitable transaction banking mode. |
