Research On The Influence And Development Of Third-party Payment On Guiyang Bank's Intermediate Business

With the rapid development of Internet technology and the growing prosperity of e-commerce,the e-business platform has leap-forward development based on the premise of Internet technology.Third-party payment as a new mode of payment,the third party payment institutions as emerging non-financial institutions,with its fast,safe,low-cost pays characteristics gradually changed people's habits,have a more and more users.As the third quarter of 2017,China's third-party payment transaction size reached 7.4 trillion yuan,about 10 times as much as 766.7 billion yuan in 2011,at the same time,to obtain formal licence 383 third-party payment mechanism,involving seven areas.The data show that the third-party payment industry is becoming an integral part of the financial sector with an orderly and rapid development momentum.Under this background,the commercial bank as the traditional financial institutions,the spreads more and more small,intermediary business status is becoming more and more important today,with the core business includes third-party payment payment settlement,agent on a commission basis,such as credit cards,wealth management has a large cross in the field of intermediary business will inevitably influenced by the third party payment.Therefore,in this context,the third-party payment have any influence on the intermediate business of commercial bank,commercial Banks to make coping strategies,and under the influence of commercial Banks in the future development countermeasure research is particularly important.This paper selects Guiyang bank as a specific case study to study the influence of third-party payment on intermediary business of Guiyang bank and countermeasures.Mainly from two aspects of theory and empirical analysis of the third party payment for Guiyang bank middle business impact,and from the conclusion of the impact analysis as the foundation,from the perspective of Guiyang bank itself and Guiyang bank Angle of the external environment,respectively,Guiyang bank intermediary business for the future of the development countermeasures are put forward.An important chapter of this article is the third chapter,four,five,in the third chapter,the third party payment for Guiyang bank middle business theory analysis,the author from the literature review about the impact of the third party payment of commercial Banks in the two arguments,assuming that the third-party payment of Guiyang bank negative role and positive role in promoting competition two possible results,and theoretical analysis.Through the empirical analysis,the fourth chapter of 17 listed commercial bank middle business income in the return of the overall results as well as the variable coefficient regression Guiyang bank middle business income regression results obtained,the third party payment of 17 listed commercial Banks and Guiyang bank intermediary business has a positive role in promoting,assuming that the second result is consistent with the third chapter,the last section is the empirical results the causes were analyzed.Finally the fifth chapter,in the process of Guiyang bank middle business development,combination of Guiyang bank middle business development countermeasure of existing,and grasp the Guiyang bank as compared to other Banks,with larger development space and regional advantages,such as favorable conditions develop intermediary business,and the Guiyang two Angle,Angle of bank itself and the external environment of Guiyang bank middle business development put forward the concrete countermeasures study in the future.