支付宝等第三方支付平台与银行的竞争与合作

Competition and Cooperation Between the Third-Party Payment Platform Such as Alipay and Banks

第三方支付平台的发展解决了电子商务的瓶颈之——安全支付问题,从而为电子商务的繁荣奠定了基础.而支付宝等第三方支付平台的运营与完善的金融网络密不可分.但是随着支付宝等第三方支付平台的发展与壮大,银行与它们的关系也有了微妙的变化,支付宝与银行开始呈现出竞争与合作的关系.

The development of the third-party payment platform has solved the basic bottleneck problem of safe payment in E-business and lays a foundation for the prosperity of E-business. However, the operation of the third-party payment platform such as Alipay is closely connected with the perfection of financial network. With the development and expansion of the third- party payment platform such as Alipay, the relationship between banks and Alipay has undergone a subtle change and begins to show itself in a combination of competition and cooperation.