第三方支付发展及其对商业银行影响研究摘要随着我国电子商务的井喷式发展，与之相适应的第三方支付业务也在快速成长。作为移动互联网的入口之一，腾讯、阿里巴巴等公司又相继推出移动支付功能，红包大战如火如荼，第三方支付技术的发展不仅促进了我国互联网电子商务的全面发展，同时也为电子商务行业带来可观利润。商业银行最初不太重视电子商务所带动的第三方支付的发展，如今第三方支付的发展壮大，对商业银行已经产生了巨大的冲击。本文首先阐述了第三方支付的定义和特点，然后论述了第三方支付的发展现状和发展趋势，接着以支付宝为例分析了第三方支付对商业银行的影响，最后提出了商业银行的应对措施。关键词：第三方支付；商业银行；冲击AbstractWith the explosive growth of electronic commerce in our country, and the corresponding to the third party payment business is rapidly growing. As one of the entry of the mobile Internet, tencent, alibaba company launched mobile payment function, such as red envelope war in full swing, the development of the third party payment technology not only promote the comprehensive development of the Internet e-commerce in our country, but also bring considerable profit for e-commerce industry. Commercial Banks originally less emphasis on electronic commerce by the development of the third-party payment, now the development of third-party payment, the commercial bank has had a huge impact.This article first expounds the definition and characteristics of the third party payment, and then discusses the third party payment development present situation and development trend, then pay treasure, for example analyzes the third-party payment influence on commercial Banks, and points out the current existence problems of third-party payment finally puts forward the countermeasures of commercial Banks.Key words: third-party payment; Commercial Banks; impact目录一、绪论.............................................................
