支付宝对传统商业银行的影响及应对措施摘要本文通过分析支付宝的发展过程和业务扩展范围，进一步分析支付宝软件的数据和频率，深入研究支付宝支付，个人金融服务和移动支付业务对商业银行个人消费业务的影响。 然后，分析了支付宝与商业银行之间的合作，分析了它们共同的生存界限，并阐明了它们之间的关系-合作与竞争。在此基础上，本文研究了商业银行如何定义自己的优势并补充自身的弱点，以应对市场激烈竞争带来的机遇和挑战。关键词：支付宝；商业银行；合作与竞争；措施The impact of Alipay on traditional commercial banks and countermeasuresABSTRACTBy analyzing the development course and scope of business expansion of Alipay, this paper further analyzes the data and frequency of Alipay software usage, and deeply studies the impact of Alipay's payment and personal wealth management services and mobile payment services on the personal consumer business of commercial banks. Then analyze the cooperation between Alipay and commercial banks, analyze the boundaries of their common existence and clarify the relationship between the two - cooperation and competition. Based on this, it studies how commercial banks clarify their own advantages to make up for their own disadvantages and meet the opportunities and challenges brought by the highly competitive market.Keywords:Alipay;commercial bank;competition and cooperation;measures目录一、发展历程1（一）第三方支付发展历程11.处于萌芽的阶段一（1999-2004 年）12.迅猛发展的阶段二（2005-2013 年）13.规范化的阶段三（2014 年—） 1（二）支付宝的发展历程1二、支付宝对商业银行业务影响2（一）对存款业务的影响2（二）对中间业务的影响2（三）结算清算业务的影响2（四）代理收付业务的影响3（五）使商业银行潜在客户减少3三、支付宝与商业银行竞争与合作3（一）支付宝与商业银行的竞争31.使用便捷 32.具备交易担保功能33.交易费用较低3（二）支付宝与商业银行业务合作41.降低了交易成本 42.降低了信息不对称4四、商业银行在冲击下应采取的措施 4（一）思维方式的转变 4（二）与互联网...
