Research On Cooperation Strategy Between Bank And Third Party Payment Company, Based On Internet Financial

In recent years, the rapid development of global Internet technology, through the Internet driven, almost all walks of life have been renew. In 2015 March, Premier Li Keqiang put forward in the "government work report" in the "Internet +" concept, is the full affirmation of the Internet which is a leading role. Among which, combined with Internet and finance is particularly prominent, "Internet financial" is undoubtedly one of the current hot degree very high concept. As the main part of Internet finance, Internet payment business and people’s daily lives. Such as online shopping, the buyer process payment to the seller, is the process of Internet payment, intermediary and bear funds liquidation responsibilities is the "bank", or more of a "third party payment company". In e-commerce(online shopping) just the initial period, is mainly responsible for theIn e-commerce(online shopping) just the initial period, is mainly responsible for the settlement of funds third party payment company, this is because the commercial bank has not paid attention to this aspect of the business. "Pay treasure", "money Fu Tong" as the representative of the third party payment companies appeared in succession, promote the development of the electronic commerce industry. At the same time, the third party payment companies also gained huge profits in e-commerce industry, on the one hand is the fee income, on the other hand is the huge fund precipitation. Found this huge market and business opportunities, major banks began to develop the online payment service, launched a series of products and solutions, a massive march market of electronic business affairs, and third party payment companies competing in the market.The bank and third party payment relationship between the companies is more complex, both cooperation and competition. But with the Internet financial market development and changes, and the supervision department of the Internet Finance and third party payment company attitude and policy changes, the bank and third party payment game between companies seem to only begins. In order to further promote the bank and third party payment competition to study the relationship between cooperative enterprises, the topics on Internet financial background bank and third party development status and mode of cooperation of the company to pay for the foundation, analyzed the bank and third party payment company’s strengths and weaknesses, the use of SWOT analysis and empirical analysis, taking N bank and third party pay Y company cooperation case, bank enterprise cooperation between the two sides of the proposed model optimization measures and suggestions to further maintain the stability of the market to pay online, the establishment of electronic financial market is standardized and orderly, has certain practical significance.