摘要在如今这个互联网经济风起云涌的时代，电子支付或者说第三方支付平台得到飞速发展，但同时他们的支付功能使传统银行业面临巨大竞争。也给商业银行优化升级服务模式，提升市场影响力带来了机遇。本文从我国电子支付发展历程出发，阐述发展中面临问题、优化解决的路径以及未来发展趋势等几方面，在结合社会实际的基础上，采取翻阅文献资料、开展走访座谈、发放问卷调查等方式方法，开展分析研究，对第三方支付产生的影响和国家政府政策可能走向进行判断分析。探讨电子支付和传统商业银行中间业务竞合关系，对于电子支付对于传统银行业的促进作用，推动储蓄、结算等功能的优化，拓宽银行的业务范围、渠道逐一进行剖析和深入研究，并根据支付结算、代理业务、基金代销、理财项目的现状，分享自己的意见和建议，关于如何让传统银行提升竞争力，更好应对第三方支付拍平台的挑战，如何围绕便捷支付、结算等核心内容，加强网点建设、提升服务水平。同时注重拓宽与第三方支付平台合作，积极拓宽合作、拓展服务功能。另外，进行业务模式与技术创新，推动业务创新、实现技术改革。最后推动银行业务新型人才战略，优化招聘模式、培养储备人才，从而实现商业银行的转型发展。关键词：商业银行；中间业务；第三方支付；转型发展Theimpactofthedevelopmentofthird-partypaymentontheintermediarybusinessofcommercialbanksAbstract:Thedevelopmentofthird-partypaymenthasbroughtanimpactontheintermediarybusinessofcommercialbanks,andbroughtopportunitiesforcommercialbankstooptimizeandupgradetheirservicemodeandenhancetheirmarketinfluence.Basedontheanalysisandreviewoftheliteratureabouttheimpactofthird-partypaymentoncommercialbanksathomeandabroad,thispaperdiscussestheoperationandprofitmodeloftheexistingthird-partypayment,therelatedstatusanddevelopmentdirection,andanalyzestheimpactonthebusinessofcommercialbanks.Throughtheresearch,itisfoundthattherelationshipbetweenthethird-partypaymentandtheintermediarybusinessofcommercialbanksistherelationshipofcompetitionandcooperation,soastoanalyzetheinfluenceofthethird-partypaymentontheintermediarybusinessofcommercialbanks,andthinkthatthedevelopmentofthethird-partypaymentcanimprovethesettlementabilityofthebank'sintermediarybusiness,andexpandthedevelopmentchannelsofthebank'sintermediarybusiness.Butitalsosqueezesthepaymentsettlementandagencybusiness,andimpactsthefundsalesandfinancialmanagementbusiness.Therefore,thispaperputsforwardtheCountermeasuresforcommercialbankstodealwiththedevelopmentofthird-partypaymentbusiness,andsuggeststhatcommercialbanksbuildthecorecompetitivenessofbankingservices,strengthenthenetworkconstruction,andimprovetheservicelevel.Atthesametime,weshouldpayattentiontobroadenthecooperationwiththethird-partypaymentplatform,andactivelyexpandthecooperationandservicefunctions.Inaddition,businessmodelandtechnologyinnovationshouldbecarriedouttopromotebusinessinnovationandrealizetechnologicalreform.Finally,weshouldpromotethenewtalentstrategyofbankingbusiness,optimizetherecruitmentmode,andcultivatereservetalents,torealizethetransformationanddevelopmentofcommercialbanks.Keywords:Commercialbanks;intermediarybusiness;thirdpartypayment;transformationanddevelopment目录一、引言...........................................................................................................................1二、概念综述..................................................................................................................1（一）第三方支付.........................................................................................................11.第三方支付的...
