摘 要最近几年，随着经济的发展，互联网逐渐深入人心，它带动经济发展的同时，也给人们的生活提供了便利，以互联网金融为依托的第三方支付使人们的生产和生活更加快捷、便利。严格来说，第三方支付平台与商业银行是一种竞争关系，它的出现冲击了商业银行的经济效益，使得原本处于垄断地位的商业银行的地位一再下降，传统业务受到新型业务的挑战，降低了商业银行的盈利水平。但是第三方支付的产生和发展，也在一定程度上提高了银行的工作效率，促进了银行的发展。因此，两者之间的关系，并不能简单的以合作或者竞争来论。本文认为两者之间是一种较为负责的合作竞争关系，从盈利的相关理论出发，来进行研究。面对第三方支付带来的冲击和挑战，商业银行应该采取怎样的方法来应对，是本文的主要研究内容，在此，提出了几点可以提高商业银行的服务水平以及实体经济质量的建议，帮助商业银行更好的应对第三方支付带来的挑战，使其能够更好地发展。关键词：第三方支付；商业银行；盈利；互联网金融；AbstractIn recent years, with the development of economy, the Internet has gradually penetrated into people's hearts. It not only promotes economic development, but also provides convenience for people's life. Third party payment based on Internet finance makes people's production and life faster and more convenient. Strictly speaking, the third-party payment platform is a kind of competitive relationship with commercial banks. Its emergence has impacted the economic benefits of commercial banks, making the position of commercial banks which were originally in a monopoly position decline again and again. The traditional business is challenged by the new business, reducing the profitability of commercial banks. But the emergence and development of the third-party payment, to a certain extent, improve the efficiency of the bank, and promote the development of the bank. Therefore, the relationship between the two can not be simply discussed by cooperation or competition. This paper holds that the relationsh...
