第三方支付与商业银行的关系探讨

Discussion on the relationship between third party payment and Commercial Banks

随着第三方支付的出现,它与商业银行的关系也备受瞩目。起初,第三方支付和商业银行双方关系和睦,合作良好,给电子支付带来优越的发展条件。但在第三方支付壮大的同时,其越来越被人接受和认可,双方在很多业务和功能上表现出重合,双方的竞争关系逐渐显现。经过初步分析,大致可以看出尽管近年来第三方支付的发展势头较快,但还是无法撼动商业银行在我国的地位。第三方支付和商业银行应是竞合共存的关系。第三方支付需要商业银行对其给予技术支持,同时商业银行也应学习并借鉴第三方支付的创新能力,双方应着力调和竞争方面的矛盾、增强合作,从而达成一种互利共赢的局面。

With the emergence of third-party payment,its relationship with commercial banks has attracted much attention.At first,the relationship between third-party payment and commercial banks is harmonious and the cooperation is good,which brings superior conditions for the development of electronic payment.However,with the growth of third-party payment,it is more and more accepted and recognized,the two sides in many business and functions show overlap,the competitive relationship between the two sides gradually appears.Through the preliminary analysis of this paper,we can roughly see that although the development momentum of third-party payment in recent years is relatively rapid,but still can not shake the position of commercial banks in our country.The relationship between third-party payment and commercial banks is currently competing and coexisting.Third-party payment needs technical support from commercial banks,at the same time,commercial banks should also learn from and learn from the innovative ability of third-party payment.The two sides should focus on reconciling the contradictions in competition and strengthening cooperation,so as to achieve a mutually beneficial and win-win scene.