第三方支付机构与商业银行的竞合博弈

The third party payment organization and commercial bank's co-opetition

银监会和央行日前联合下发了《关于加强商业银行与第三方支付机构合作业务管理的通知》(银监发[2014]10号),对商业银行与第三方支付机构建立业务关联进行了规范,两者的关系再一次成为人们关注的焦点,本文从合作博弈的角度阐述了我国商业银行与第三方支付机构之间的关系,通过分析第三方支付平台对商业银行的影响,对商业银行在合作博弈过程中的应对策略提出建议。

CBRC and the central bank jointly issued ＂The notice on the strengthening business management of commercial banks and third-party payment agencies ＂（Yin Jian Fa [2014] No. 10）, commercial banks and third-party payment institutions related operations were standardized, the relationship between the two becomes the focus of attention once again. This article elaborate the relationship between the Chinese commercial banks and third-party payment agencies from the perspective of the cooperative game, by analyzing the impact of third-party payment platform for commercial banks, suggesting coping strategies of commercial banks in the process of cooperative game.