论文部分内容阅读
作为商业银行的核心业务领域,支付结算在商业银行发展历程中始终起着举足轻重的作用。近年来,随着第三方支付法规政策陆续出台,非金融支付机构企业牌照大量颁发,第三方支付行业日趋走上快速发展轨道,对商业银行支付结算造成较大冲击。本文在研究分析互联网金融特征、第三方支付发展现状、对商业银行支付结算影响的基础上,有针对性地提出了商业银行应对第三方支付的建议。
As the core business area of commercial banks, payment and settlement always play an important role in the development of commercial banks. In recent years, with the promulgation of third-party payment regulations and policies and the issuance of large numbers of non-financial payment agency business licenses, the third-party payment industry has been on the fast track of development and has caused a great impact on commercial banks’ payment and settlement. On the basis of studying and analyzing the characteristics of internet finance, the status quo of third-party payment development and the impact on commercial banks’ payment and settlement, this paper puts forward the suggestions of commercial banks responding to the third-party payment.