Investigation Report On The Influence Of The Development Of The Third Party Payment In Baoding City On The Commercial Banks

Payment function is an important part of modern economic society, it is the basic platform for the relationship between the individual and the enterprise and the bank. As the main body of the payment service market, banking financial institutions play the role of non cash payment services. In recent years, the rapid development of computer and communications technology, banking sector is also in constant innovation payment instruments, derived from the many new payment instruments, covers the bank on the net, increasing the number of ATM machines, add bank card POS machine, telephone, bank and so on. Traditional non cash payment instruments are becoming more and more important. In addition, mobile payment, online payment and other new payment methods to further promote the improvement of China's non cash payment system. With the continuous development of social economy, consumers more and more attention to payment instruments and payment of personalization and security, traditional payment service market began to absorb non payment of financial service institutions, many new payment methods have mushroomed like appearance.In recent years, the non cash payment service market presents a diversified development trend, expanding the payment system of our country at the same time, to promote the diversification of payment methods, especially the rapid development of the third party payment. And consumers as the payment method of the user, is the largest use of groups. The main station in the consumer's point of view, through the investigation and analysis of consumer payment way. To analysing the development of the third party payment of commercial banks pay effects produced by business and brings many challenges. By means of questionnaire and conversation, this paper makes a statistical analysis on the usage of the consumer payment method in Baoding City, and makes an analysis of the data collected. Finally, through the investigation and statistics of the use of consumer payment methods in Baoding City, reflected in the rise and development of the third party payment background, the impact on the traditional payment services of Baoding commercial banks. At the same time through the analysis of consumer demand for payment, and then to the commercial banks to pay the business transformation, business innovation, mining potential customers put forward suggestions. In addition, investigation and analysis of consumer payment willingness to use as well as the influence of the choice of the use of payment mode and the influence factors, so as to commercial banks and other payment institutions how to better improve their payment business reference and suggestions.