银行机构和支付机构的支付服务比较研究

Comparative Study of Payment Services Between Banks and Payment Institutions

支付服务市场潜力巨大,有待深度挖掘。研究表明:银行与第三方支付机构各具优势,各自的核心市场和利益并不存在严重重叠和排斥。双方相互弥补和配合可充分开拓市场。在未来发展中,银行在传统金融服务领域依旧会占据主导地位,第三方支付将在网上支付等创新服务领域占据稳固市场。银行方面应完善电子渠道建设,拓展备付金存管业务,增加中间业务收入;加大金融创新力度,加强与支付机构的合作,积极应对金融传媒;介入电子支付链,大力拓展中小企业融资业务,拓展新客户群体。支付机构方面应进一步细分市场,发挥自身优势开展差别化经营;加强技术安全合作,完善内控管理,加强消费者权益的保护;严格备付金管理,提升风险管理水平,稳健、规范、可持续发展。

The market of payment service is large and has great potential to tap. It is found that banks and third-party payment institutions have respective strengths. Their core markets do not overlap and their core interests do not reject each other. As a result, the market could be fully developed with their cooperation. Banks will continue to dominate in traditional financial services; third-party institutions will occupy the market of online payment and other innovative services. Banks shall complete the establishment of digital channels, expand excess reserve deposit operations, and increase income from intermediary businesses. They shall invest more in financial innovation, enhance the cooperation with third-party institutions, and respond to financial disintermediation proactively. They shall also enter the e-payment chain and enhance financing for SMEs to enlarge customer groups. Third-party payment institutions shall segment the market, conduct differentiated operations based on their strengths, enhance protection of consumer rights and interests by strengthening technological safety cooperation and internal control, and tighten excess reserve management and risk control for a steady, standard and sustainable development.