第三方支付对商业银行支付结算业务的影响研究

The Studay of Third Party Payment Affecting Commercial Bank Payment and Settlement Business

支付业务作为银行中间业务的重要组成部分,具有拓展银行稳定利润来源的重要战略地位。第三方支付监管的规范性与外部环境的复杂性决定了银行支付结算业务发展的不确定性。面对第三方支付的挑战,商业银行如何运用现代支付思维、技术环境等正外部性优势,结合银行固有优势来拓展新型银行支付结算模式,正是银行支付持续发展的机遇所在。本文基于16家上市商业银行2012—2014年会计年报,考察支付结算业务收入占银行中间业务收入比例等核心指标的变化趋势,从实证和影响因素两方面深入分析第三方支付对银行支付结算业务的影响,并根据银行所处的内外部环境,提出了适应银行支付业务发展转型的相关路径。

Payment services as an important part of the banking intermediary business, has an important strategic position to expand the stable source of bank. The third party payment regulation and the complexity of the external environment determine the uncertainty of the development of the bank payment and settlement business. Faced with the challenges of the third party payment, commercial banks use modem payment thinking, technology environment and other positive externalities, combined with the inherent advantages of banks to develop a new type of bank payment and settlement model is essential. Based on the 16 listed commercial banks in 2012-2014 annual accounting statements, this paper investigates the change trend of payment and settlement business income accounted for the proportion of bank intermediary business income. From the point of view of the empirical and influencing factors, the influence of the third party payment to the payment and settlement business of the bank is deeply analyzed. And, according to the internal and external environment of the bank, it puts forward the relevant path to adapt to the development and transformation of the bank payment service.