(论文)摘 要现阶段，我国的经济环境随互联网技术的普及与发展发生了翻天覆地的变化，支付宝等第三方支付企业在这样的浪潮中兴起，互联网金融迅速壮大，相关业务与细分市场已经严重威胁到传统商业银行的地位。而原本作为“防御方”的银行在面对新的竞争环境和挑战时，势必采取反击行动，转“守”为“攻”，不仅需要努力维持原有的用户群体，而且还需要尝试进入新市场，谋求新发展。因此，本文以动态竞争理论中的竞争互动理论为切入点，选取支付宝与商业银行的案例为研究基点，从各自推出的金融产品与服务、技术创新、场景布局等方面出发，尝试探讨在激烈竞争的环境下，进攻与回应双方将会采取怎样的策略与行为，而这些策略与行为又会给企业带来怎样的收益。这些研究将会对企业的竞争行为作出较为合理的解读，无论是对动态竞争理论实证研究的拓展，还是对竞争双方在新环境中的发展均具有一定的参考价值。- I -关键词： 互联网金融，传统商业银行，竞争互动(论文)Research on the Dynamic Competition between Alipay and Commercial BanksAbstractAt this stage, China's economic environment has changed dramatically with the development and application of Internet technology. Third-party payment companies, such as Alipay, have emerged in this wave. Internet finance has grown rapidly. Its related businesses and market segments have seriously threatened the status of traditional commercial banks. In the face of the new competitive environment and challenges, banks that were originally "defensive parties" will inevitably take counter-attack actions and switch from defense to attack. They not only need to strive to maintain the original user group, but also need to try to enter new markets and seek new development.Therefore, this article takes the competition interaction theory of the dynamic competition theory as the starting point, selects the case of Alipay and commercial banks as the research base. In an environment of fierce competition, it attempts to discuss the strategies and behaviors that...
