| With the rapid development of electronic banking,the third party payment,developing rapidly,has now hit directly to the interests of the commercial Banks which are facing unprecedented severe challenges.The third-party payment is developing rapidly,which attribute to the effective solution to the trading cash flow problems in the innovation of the Internet industry through convenient and efficient way to trade,constructing the integrity,security and information symmetry trading environment;And,it can meet all kinds of individuals,businesses,enterprises service requirements.At the same time,from the perspective of China’s overall economic environment,the development of the third-party payment industry has great contribution to the use efficiency and the industry competitiveness of China’s economy,especially in emerging economic.In this process,the relationship between the third-party payment and commercial Banks also changed:commercial Banks use technology innovation to strengthen the business of the bank on the net to deal with challenges;The third-party payment actively innovative business model to change the traditional pattern of financial services,as the result,both the competition and cooperation exist between the two.So it is meaningful to study the relationship between third-party payment and commercial Banks and its influence.Regarding the competition relations between the third party payment companies and commercial Banks as the breakthrough point,first of all,the study summarized the background of the birth of the third party payment,summed up the development status of the third-party payment and commercial Banks in detail,and on these basis,analyzed the advantages and disadvantages between the commercial Banks and the third-party payment companies,whose imbalance between the state of competition and cooperation.Second,analyze the competition between the third-party payment and commercial Banks in detail from the business overlap,customer group and the cooperation between both sides in cross-border payment,network payment security,online trading of credit,concluding that the key to solve both competition and cooperation is the coordination and distribution of interests.Furthermore,This paper introduces two basic game model,inciuding the prisoner’s dilemma game and repeated game.To determine the influence factors of third-party payment and commercial Banks game,Will the government and regulators to join the competitiongame analysis,To further perfect the factors influencing the game of both sides.And in-depth analysis of how these factors affect the game of interests distribution between the two sides,Through game analysis to find how to maximize the interests of both sides.Finally,put forward policy suggestions aiming at the cooperation between the third-party payment companies and commercial Banks. |
