Research On The Collaborative Development Between Commercial Banks And Third-Party Payment Platform

With the continuous development of Internet applications,online payment methods include online banking to pay third-party payment platform,including greatly facilitates financial transactions on the network people.Third-party payment platform development,and growth for the commercial banks also had a certain impact.In essence,commercial banks,online banking services and third-party payment there is a large area of overlap in the customer base,due to the fast and efficient third-party payment,information symmetry,powerful advantages,commercial banks online banking business caused a huge impact.Third-party payment platform,with its large number of users,and continuously enrich and expand services,the introduction of new services such as wealth management,will enable users to virtually own bank to transfer funds from third-party payment platform,the commercial banks had a capital of closure influences.In this trend,third-party payment platform has become a strong competitor of commercial banks,commercial banks have been in business competition in a weak,if not timely adjustment for long-term development of very unfavorable;but commercial banks can pay from a third party to obtain a small business profit transactions and payment platform for third parties to provide financial and credit protection,although both are in competition,but there are a lot of win-win cooperation of the Department,operation and development of third-party payment platforms need to rely on the gateway provided by commercial banks interface,so it can not completely replace the bank's online banking payment services.This paper payment platform this complex relationship-based commercial banks and third-party status quo,which in-depth study of the feasibility of collaboration between theoretical and common development.The first chapter describes the background and significance of the research,a combination of literature at home and abroad,and put forward the research ideas and methods;the second chapter describes the concept and development status of the third-party payment platform,including the definition of third-party payment platform and characteristics,type,development status,prospects analysis;the third chapter,the impact of the rise of third-party payment platform for commercial banks,including reducing the intermediary business income,affecting the commercial bank deposit and loan business,making commercial banks the loss of potential users;the fourth chapter describes the physical platform of commercial banks and third-party payment platform for the collaborative development of feasibility and strategy,including a reasonable division of the market,focusing on differences in the development and rational distribution of profits,capital precipitation resolve to strengthen business cooperation,the establishment,the establishment of regulatory bodies,to speed up the legislative process,increase financial innovation,expand areas of cooperation.Operational state commercial banks and third-party payment platform,directly related to the country's financial order and people's daily lives.So starting from the overall and long-term level,between the commercial banks and third-party payment platforms need to seek common ground,collaborative symbiosis,cooperation and innovation in order to create a more convenient online financial consumer environment.