题目（中文）：第三方支付对商业银行支付结算业务的影响研究（英文）：Theinfluenceofthird-partypaymentonpaymentandsettlementbusinessofcommercialbanks目录................................................................1............................................................1............................................................2...........................................2............................................3.................................................5.........................................5.........................................5.....................................6.................................9.......................................9...............................9..........................12..................12..............12..............13........................14..............................14..........................15..................................151摘要互联网与信息技术的持续发展，使人们的生活与社会各领域都发生了较大变化，同时也推动了我国经济模式的革新与思维方式的转变。依托于互联网和商业银行的第三方支付模式随之诞生，应用范围和用户群体不断扩大，第三方支付平台实现了快速发展。相比于传统商业银行的支付结算业务，第三方支付平台的优势更加明显，且有助于完善我国金融体系，这给商业银行的经营发展造成了较大影响。在此情况下，商业银行为与第三方支付平台竞争，必须提高自身产品与服务的质量，向客户展示独属于商业银行的优势。本文在研究过程中，首先整合与分析了相关理论，研究第三方支付对商业银行支付结算业务的影响机制，了解商业银行与第三方支付平台的关系，分析商业银行面对冲击做出的应对措施，深入研究商业银行与第三方支付如何做到共赢。关键词：第三方支付，商业银行，支付结算业务ABSTRACTThecontinuousdevelopmentoftheInternetandinformationtechnologyhasbroughtaboutgreatchangesinpeople'slivesandvariousfieldsofsociety,andatthesametimepromotedthereformofmycountry'seconomicmodelandthetransformationofthinking.Thethird-partypaymentmodelbasedontheInternetandcommercialbankswasborn,theapplicationscopeandusergroupscontinuedtoexpand,andthethird-partypaymentplatformachievedrapiddevelopment.Comparedwiththepaymentandsettlementbusinessoftraditionalcommercialbanks,theadvantagesofthird-partypaymentplatformsaremoreobvious,andhelptoimprovemycountry'sfinancialsystem,whichhasagreaterimpactonthebusinessdevelopmentofcommercialbanks.Underthiscircumstance,inordertocompetewiththird-partypaymentplatforms,commercialbanksmustimprovethequalityoftheirproductsandservices,andshowcustomerstheadvantagesthatbelongexclusivelytocommercialbanks.Intheresearchprocessofthisarticle,firstly,itintegratesand2analyzesrelatedtheories,studiesthemechanismoftheinfluenceofthird-partypaymentonthepaymentandsettlementbusinessofcommercialbanks,understandstherelationshipbetweencommercialbanksandthird-partypaymentplatforms,andanalyzesthecountermeasurestakenbycommercialbanksinthefaceofshocks.,In-depthstudyofhowcommercialbanksandthird-partypaymentcanachieveawin-winsituation.Keywords:ThirdPartypayment,CommercialBank,paymentandsettlementbusiness一、绪论（一）研究背景及意义1.研究背景互联网与信息技术的持续发展，使人们的生活与社会各领域都发生了较大变化，同时也推动了我国经济模式的革新与思维方式的转变。依托于互联网和商业银行的第三方支付模式随之诞生，应用范围和用户群体不断扩大，第三方支付平台实现了快速发展。在我国的现代支付行业中，第三方支付是重要的组成部分，其支付业务主要依靠通信技术与电子手段，实现了支付方式的不断创新,进一步实...
