商业银行应对第三方支付挑战探究

A Research on the Commercial Banks to Deal with Challenges of the Third-Party Payment

主要选取以支付宝为代表的第三方支付平台作为研究对象,对商业银行与第三方支付的竞合关系进行了剖析,分析了第三方支付与商业银行的各自比较优势,进而阐明了商业银行应对第三方支付的挑战,一方面应该加强与第三方支付的合作,互利共赢;另一方面加强自身创新与建设,注重电子银行建设,在B2B、B2C市场中发挥重要作用,开拓非银行金融业务,提升服务实体经济的效率与水平。

This paper chooses alipay as the research object. The competition relationship of the bank and the third party payment platform is studied. The article describes comparative advantages of the third party payment platform and the bank. The article suggests the bank have to meet the challenges of the third party payment. On the one hand, the bank should cooperate with the payment platform. On the other hand, the bank need strengthen the construction of product innovation and pay attention to the electronic bank. Meanwhile the bank develops other non-banking financial business to improve service level of the real economy.