浅析第三方支付对商业银行的影响及其应对策略——以广东农合机构为样本

Analysis on Influence of Third-party Payment on Commercial Banks and Countermeasures——Take Guangdong Agricultural Institution as an Example

互联网支付的快速发展产与传统商业银行的冲突不断加剧,第三方支付提供的信用担保关系以及支付渠道,有效地解决了网上交易出现的诚信缺失、支付担忧等问题,但也出现了诸如:反洗钱、二次清算等系列问题,一行三会等监管机构对第三方支付行业的监管越来越具体。本文以广东农合机构为研究样本,系统地提出了第三方支付对传统商业银行的影响及其应对策略,以供参考。

The rapid development of internet payment industry conflicts with the traditional commercialbanks is increasing.The third-party payment provides credit guarantees and payment channels,effectivelysolves the problem of online trading and lacking of credibility,but also rises a series problem such asanti money laundering and two liquidation.The supervision of regulatory agencies on the third partypayment industry is more and more detailed.This paper takes Guangdong Agricultural Institutions as theresearch sample,puts forward the impact of third-party payment to traditional commercial banks and itscountermeasures.