Research On The Impact Of Third-party Mobile Payment On Commercial Banks

With the development of Internet finance,the third party mobile payment has been widely applied and will be mature and mature.The continuous development of the third party mobile payment has made it an important part of our financial payment system.Its influence and use rate is increasing,and it has received extensive attention from all walks of life,and the financial system of our country has also changed.In the course of business expansion,third party mobile payments collide with some business of commercial banks,bring opportunities for reform and development to commercial banks in each other's competition,are beneficial to the perfection of the whole banking system,and also help to stimulate the vitality of the whole financial industry.This paper first introduces the development of China's third party mobile payment and the corresponding risk supervision system.At the same time,based on the development of commercial banks,this paper analyzes the impact of the third party mobile payment on the commercial banks through the qualitative and quantitative two aspects.Finally,we think about the future trend of third party mobile payment under more stringent supervision: strengthening supervision,industry more standard;cash free social development trend;closer ties with financial science and technology;the direction of the third party mobile payment development towards the B side;and the globalization of the third party mobile payment network.In the face of the competition and cooperation with the third party mobile payment platform,commercial banks make use of the opportunity innovation and development,and put forward the countermeasures and suggestions:deepening the financial innovation,transforming the retail banking business,expanding the middle business income,and the alliance hi-tech information company.