Impact Of Third Party Payments On The Comprehensive Performance Of Commercial Banks

With the rapid development of Internet information technology,third-party payment relies on the payment and settlement business to achieve a rapid rise.Through the large-scale e-commerce platform behind it,it is actively developing online and offline retail payment services.It is user-centric and covers all aspects of people's lives.From Fundamentally changed the way people pay.As the business scope of third-party payment continues to expand,it gradually overlaps with the business scope of commercial banks.The two have changed from the initial cooperative relationship to compete with each other.The comprehensive performance level of commercial banks is also huge due to the strength of third-party payment Impacted.The impact of third-party payments on the comprehensive performance of commercial banks and the specific impact paths have also become hot topics in the relationship between commercial banks and third-party payments.After reviewing the literature on third-party payment,the author believes that third-party payment should focus on mobile payment,and the current mobile payment C-end customer size and market share allocation have gradually stabilized.Based on the analysis of national regulatory policies,external needs and the main force of science and technology Third-party payment should actively explore the mobile Bend market.For the core issue of this article: the impact of third-party payments on the comprehensive performance of commercial banks,the author first analyzes the relationship between third-party payments and the comprehensive performance of commercial banks on the basis of previous scholars' research results.Analyze the impact and specific performance of the three major businesses of third-party payments and commercial banks through bilateral market theory,financial disintermediation theory,and long-tail theory,and derive their impact on the evaluation of the comprehensive performance of commercial banks based on the specific performance of the three major businesses of commercial banks.The impact of the five major capabilities,theoretically believes that third-party payments have a negative effect on the comprehensive performance of commercial banks.The empirical part first uses principal component analysis to solve the principal component of the constructed comprehensive performance indicator system and calculate the total score,and then uses the comprehensive performance as the explained variable to establish a panel model to test and analyze the impact of third-party payments on the comprehensive performance of commercial banks.Based on the analysis results,the specific impacts and conclusions of the third party on the comprehensive performance of all commercial banks and different types of commercial banks are obtained.The research results show that,in general,the booming development of thirdparty payments has a significant negative effect on the comprehensive performance of China's commercial banks.According to the different types of commercial banks: 1.The results of the regression model of the state-controlled commercial bank and the joint-stock commercial bank are similar,while the regression results of the city commercial bank are quite different,which may be due to the differences in the size of the bank and the ownership structure The analysis results are different;2.The regression results show that the development of third-party payment DSF has a negative impact on the comprehensive operating performance of China's commercial banks,and only the coefficients of the regression models of urban commercial banks are not significant.Both are smaller than the coefficients of all commercial banks when they return,indicating that these two types of commercial banks are more affected by the expansion of the third payment than urban commercial banks.Finally,according to the current situation of third-party payments and commercial banks introduced in the previous article,combined with theoretical derivation and empirical test results,this article puts forward specific suggestions for the development of commercial banks.The rapid rise of third-party payment is both a risk and an opportunity for commercial banks.Commercial banks should actively seize the opportunity,improve their business capabilities,maintain their long-term healthy and sustainable development,and make their own outstanding contributions to the stability of the financial market in a Chinese characteristic society.contribution.