| Since the 21st century, with the development of Internet technology, e-commerce applications continue to expand, electronic business has penetrated into people’s daily lives, but also gave birth to the third-party payment market. From the birth of China’s first third-party payment companies in 1999 to now has been the rapid improvement of 15 years. The quick development of third-party payments for our economic behavior has brought gigantic changes:first, to facilitate the people, such as online shopping and other online payment and settlement of economic life. Secondly, the formation of a bridge between the banking system and the public network, accelerate the development of the banking sector. But the third-party payment corporations and banking business has lots of overlap places, commercial banks now have produced a negligible impact. Coupled with the third-party payment industry-related laws and formulate, risk control procedures did not replenish and improvement, which the Chinese banking a huge impact and challenges.Firstly, from a third-party payment industry theoretical foundation paper introduces the definition of third-party payment, characteristics, development status and two different operating modes. Secondly, a comprehensive and in-depth analysis of the fundamental conflict where commercial banks and third-party payment, the advantages and disadvantages to both summarized and summarized, and on the relationship between the analysis and summary.Then, as the case Alipay depth analysis of the impact of the development of third-party payment services for China’s commercial banks. Finally, the paper payment from a third party to the opportunities and challenges brought about by the development of commercial banks, commercial banks, the main action proposed to handle the influence of third-party payment services, and Commercial Bank of China as an example to describe China’s commercial banks to deal with specific initiatives.Third-party payment with the bank in the development of e-commerce there is cooperation between both the relationship and there is competition, but if on a competitive basis, the two sides were able to rationalize the distribution of income, so that they will choose to cooperate to achieve win-win situation, the whole market healthy development can be guaranteed. |
