第三方支付业务对商业银行零售业务的影响研究摘 要：随着我国金融全球化一体化进程加快，市场经济环境开放的扩大，金融市场越来越国际化，商业银行的竞争越来越激烈。目前国民存储作为中国银行业资金的主要来源，随着竞争的加剧与市场的开放，越来越多的信贷业务及中间业务将会服务于普通百姓，故曾有“得零售者得市场”的说法。但是近几年以支付宝为代表的第三方支付业务迅速崛起，让银行业面临着前所未有的挑战。本文首先阐述第三方支付和商业银行零售业务的概念等相关理论知识；接着通过分析第三方支付业务和商业银行零售业务的发展现状，指出第三方支付业务对商业银行零售业务的影响；最后提出商业银行应对第三方支付业务冲击的对策建议。关键词：第三方支付；商业银行；零售业务IResearch on the influence of the third-party payment business on the retail business of commercial Banks.Abstract: With the acceleration of financial globalization and the expansion of market economy, the financial market is becoming more and more international, and the competition among commercial Banks is becoming more and more fierce. At present, national deposit is the main source of funds in China's banking industry. With the intensification of competition and the opening of the market, more and more credit business and intermediary business will serve the common people. Therefore, there was a saying that "the retailer gets the market". However, the rapid rise of the third-party payment business represented by alipay in recent years has brought unprecedented challenges to the banking industry. This paper first describes the concept and characteristics of third-party payment, the concept of retail business of commercial Banks and other relevant theoretical knowledge; Then, by analyzing the development status of the third-party payment business and the retail business of commercial Banks, the paper discusses the influence of the third-party payment business on the...
