The Study On How Third-party Payment Influences Commercial Banks’ Profit

With the development of information technology,traditional consumption has changed by the prosperous of E-economy,Electronic Business dominate gradually instead of offline shopping.Accompanied by Electronic Business,third-party paym ent has made great influence on Commercial Bank,transformation and innovation are forced to be done.This paper study on the influence made by third-party payment from the view of commercial banks.Firstly, on the basis of analyzing the development of third-party payment and the influence on commercial banks caused by third-party payment abroad,compare the third-party payment at home and abroad with the view of regulatory environment and market environment, so as to analysis co-o petition relationship between third-party payment and commercial banks.After that, construct regression model by using financial data of 15 commercial banks. We learned from the research that the expansion of third-party payment has made negative influence on profitability of commercial banks, promoted non spread income at the same time.Then,observe different kind of commercial banks grouped by standard of ownership.As to state-owned commercial banks,third-part y payment has made negative influence on its profitability while increased the proportion of its non spread income.As to city banks,third-party payment has promoted its profitability as well as the proportion of its non spread income.As to joint-stock commercial banks,third-party payment has made negative influence on its profitability while increased the proportion of its non spread income, its negative influence on profitability is more than and promoted effect is less than state-owned commercial bank. In allusion to the result of qualitative analys is and quantitative analysis, targeted coping strategies have been given to all three kinds of commercial banks.