第三方支付对商业银行中间业务的影响研究  

Study on the Influence of Third-Party Payment on Intermediary Business of Commercial Banks

作　　者：任宇光 赵世勇[1] 陈丽杰 REN Yuguang;ZHAO Shiyong;CHEN Lijie(Macao University of Science and Technology,999078,Macao,China)

机构地区：[1]澳门科技大学,中国澳门999078

出　　处：《特区经济》2023年第12期117-120,共4页Special Zone Economy

摘　　要：近年来,随着数字经济的高速发展,我国第三方支付行业快速成长,交易规模持续扩大,应用场景涵盖了多个领域。由于用户群体与业务范围的重叠,第三方支付对商业银行中间业务产生了影响。因此,本文旨在探讨第三方支付与商业银行中间业务之间的关系,思考商业银行中间业务如何应对第三方支付的挑战与机遇。文中首先对相关文献进行梳理,接下来对第三方支付和银行中间业务的现状进行分析,之后在理论研究的基础上,探讨促进作用与抑制作用,最后总结研究结论,进而为商业银行发展中间业务提供针对性的建议。In recent years,with the rapid development of digital economy,China.s third-party payment industry has grown rapidly,the transaction scale continues to expand,and the application scenarios cover multiple fields.Due to the overlapping of user groups and business scope,third-party payment has an impact on the intermediary business of commercial banks.Therefore,this paper aims to discuss the relationship between the third-party payment and the intermediary business of commercial banks,and consider how the intermediary business of commercial banks can cope with the challenges and opportunities of the third-party payment.Firstly,the relevant literature is sorted out,and then the status quo of third-party payment and bank intermediary business is analyzed.Then,based on theoretical research,the promotion and inhibition effects are discussed.Finally,the research conclusions are summarized,so as to provide targeted suggestions for commercial banks to develop intermediary business.

关 键 词：第三方支付 中间业务 商业银行 

分 类 号：F752.65[经济管理—国际贸易]