Research On The Influence Of Third Party Payment On The Income Of Intermediate Business Of Listed Commercial Banks

The level of intermediate business income is used as one of the important measures for the development of listed commercial banks.The academic community is very concerned about this.With the continuous development of third-party payments,its similar parts with commercial banks' intermediary businesses have been increasing,and third-party payment agencies have continuously increased their investment in human,material,and financial resources,making the functions of third-party payments constantly improving,and Clients and future customer flows may be dispersed.Under the influence of business similarity and decentralized customer flow,the intermediary business of listed commercial banks will inevitably be affected by third-party payment.Therefore,it is indeed necessary to explore the impact of third-party payments on the intermediary business of listed commercial banks.First of all,this article analyzes the current development situation and future development direction of third-party payment,then analyzes the current development situation of commercial banks,and analyzes that the third-party payment will be similar to the intermediate business due to the fact that the business is similar to part of the intermediary business of commercial bank.Impact;at the same time,third-party payment is convenient and quick,which has a decentralized effect on the customer flow of commercial banks,and will also affect the intermediary business of listed commercial banks.Secondly,on the sample,the data of China's 16 listed commercial banks were selected,and the static panel data model regression analysis was conducted by selecting fees and commission income,third-party payment amounts,gross domestic product,bank assets,bank deposits,and net asset yield.The empirical analysis shows that the third party payment influences the direction and degree of the intermediary business income of listed commercial banks in China,and further classifies the bank,empirically analyzes the direction and degree of influence of third party payment on state-controlled commercial banks and non-state-owned commercial banks.Finally,on the basis of empirical analysis results,from the perspectives of improving the micro-segmentation business,strengthening the customer's reliance on commercial banks,and seeking cooperation with third-party payment agencies,the third-party payment has developed rapidly.Countermeasures and suggestions.