第三方支付与银行竞合关系研究

Research on the Third Party Payment and Its Competition and Cooperation with Commercial Banks

第三方支付机构依托各电商和社交平台,提供比商业银行更低的交易成本、更高的交易效率,并凭借着极强的金融创新能力,满足了中小商户和个人客户的需求。这些导致网上银行的部分客户流失、银行的中间业务收益减少,商业银行和第三方支付的关系变为竞争关系。然而,电子商务的快速发展,又使得双方在沉淀资金、信用信息和安全领域存在着巨大的合作空间,共同促进全行业健康持续发展。

Depending on the electronic business platforms and SNS service, the Third-party Payment agencies can provide much better services with lower transaction costs and higher transaction efficiency by virtue of their strong ability in finance innovation, which meets the needs of small businesses and individual customers. The result is that online banks lost a large number of customers, and the banks＇ income from intermediate business decreased. So commercial banks and the Third-party Payment agencies become competitors. However, with the rapid development of electronic commerce, there are many opportunities in sedimentary money, credit information and security for both sides to cooperate, which will jointly promote the healthy and sustainable development of the whole industry.