数字人民币对第三方支付平台影响分析

Analysis of the impact of digital RMB on third party payment platforms

随着经济信息化的高速发展,第三方支付对我国现有经济体系具有巨大冲击,为加强货币发行主权,国家正不断推动对数字人民币的研发及应用。本文基于数字人民币的特点,分析其对第三方支付平台及其用户的影响,发现数字人民币的推行会降低第三方支付平台的既得利益与市场份额,为用户提供更多的支付选择,从而降低第三方支付平台的用户留存率。因此,第三方支付平台需要加强自身发展,积极拓展应用场景,保持并增强客户黏性,与获得数字人民币运营资质的银行进行合作或推动业务转型,提升第三方支付平台在数字经济方面的竞争力。

With the rapid development of economic informatization,the third-party payment has a huge impact on China's existing economic system.In order to strengthen the sovereignty of currency issuance,the state is constantly promoting the research and development and application of digital RMB.Based on the characteristics of digital RMB,this paper analyzes its impact on the third-party payment platform and its users,and finds that the implementation of digital RMB will reduce the vested interests and market share of the third-party payment platform,provide more payment options for users,and thus reduce the user retention rate of the third-party payment platform.Therefore,the third-party payment platform needs to strengthen its own development,actively expand the application scenarios,maintain and enhance customer loyalty,cooperate with banks that have obtained the qualification of digital RMB operation or conduct business transformation,and improve the competitiveness of the third-party payment platform in the digital economy.