第三方支付对商业银行支付结算业务的影响

The Influence of the Third Party Payment on the Payment and Settlement Business of Commercial Banks

随着我国经济的不断发展和互联网技术的普遍应用,第三方支付平台发展迅速,并且凭借其特有的优势对现有商业银行的支付结算业务产生了一定冲击。文章基于8家上市商业银行2013—2018年的半年度数据,构建个体固定效应模型,分析第三方支付对商业银行支付结算业务的影响。结果表明:第三方支付和商业银行支付结算业务之间有显著的负向关系;第三方支付的发展规模可以较好地解释银行支付结算收入的变动。

As the continuous development of China’s economy and the widespread application of Internet technology,the third-party payment platform develops rapidly.With its unique advantages,it has a certain impact on the payment and settlement business of existing commercial banks.Based on the half annual data of 8 listed commercial banks from 2013 to 2018,this paper constructs an individual fixed effect model to analyze the impact of third-party payment on the payment and settlement business of commercial banks.The results show that there is a significant negative relationship between the third-party payment and the payment and settlement business of commercial banks,and the development scale of the third-party payment can better explain the change of the bank’s payment and settlement income.