【摘要】随着互联网应用不断的融入生活，网络购物日趋火爆，第三方支付业务和银行网上支付业务也日趋成熟，显而易见的第三方支付企业会对网上银行业务造成的竞争和挑战。本文主要介绍了本课题研究的背景、意义以及国内外的研究现状，详细分析研究了第三方支付业务会对网上银行业务产生哪些竞争和挑战，如对银行的中间业务的挑战分析、对银行的存款形成分流、第三方支付与银行卡支付垄断的关系分析以及第三方支付对银行客户的抢占竞争等；并通过分析这些竞争和挑战得到一些启示和建议，如加强第三方支付资金清算的力度、丰富网上银行支付产品功能、加强网上支付业务资金的安全以及加大和第三方支付企业的合作，并希望通过这些启示和建议对银行网上支付业务的快速发展有一定的帮助。
【关键词】第三方支付业务；银行网上支付；启示。
The research of the third-party payment and the development of bank’s online business
Abstract
【ABSTRACT】As the application of internet getting into the daily life, more and more people are getting addicted to online shopping. Obviously, the third-party payment corporations will compete and challenge bank’s online business. At the very beginning, this essay introduces the background, meaning and current situation of this research; then, it does a detailed analysis of the challenge that the third-party payment faces about bank’s online payment business. For example, it does the analysis of the challenge of bank’s intermediary service, distributes the bank deposit, analyze the relationship between the third-party payment and the monopoly of bank card payment and the competition between the third-party payment and bank; above all, we get some suggestions and revelations from the analysis of the competition and challenge, such as enhance capital settlement, diversify the functions of bank’s online payment products, strengthen online funds’ security and co-op with third-party payment corporations. Hope such inspiration and suggestion could make contribution to the growth of bank’s online payment business.
【KEYWORDS】third-party payment；bank’s online payment business；revelation。
目 录
第三方支付与银行网上银行业务发展的分析研究………………………………………………………………………………. 3
Abstract…………………………………………………………………………………………………………………………………………………. 4
1 绪论……………………………………………………………………………………………………………………………………………………. 6
1.1 研究的背景及意义………………………………………………………………………………………………………………………. 6
1.1.1 研究背景……………………………………………………………………………………………………………………………… 6
1.1.2 研究意义……………………………………………………………………………………………………………………………… 6
1.1.3 研究的现状………………………………………………………………………………………………………………………….. 7
1.2 研究综述……………………………………………………………………………………………………………………………………… 7
1.2.1 国外研究综述………………………………………………………………………………………………………………………. 7
1.2.2 国内研究综述………………………………………………………………………………………………………………………. 7
1.3 研究的内容………………………………………………………………………………………………………………………………….. 9
2 第三方支付的概述…………………………………………………………………………………………………………………………… 10
2.1 第三方支付的概念…………………………………………………………………………………………………………………….. 10
2.2 第三方支付的风险…………………………………………………………………………………………………………………….. 10
2.2.1 网络安全风险…………………………………………………………………………………………………………………….. 10
2.2.2 金融风险……………………………………………………………………………………………………………………………. 10
2.2.3 法律风险……………………………………………………………………………………………………………………………. 11
3 第三方支付与网上银行的关联……………………………………………………………………………………………………….. 12
3.1 网上支付对电子商务的重要性…………………………………………………………………………………………………. 12
3.2 从事网上支付的第三方支付与网上银行………………………………………………………………………………….. 13
3.3 第三方支付与网上银行的互利合作………………………………………………………………………………………….. 13
4 第三方支付对银行网上支付业务的挑战………………………………………………………………………………………… 14
4.1 对银行的中间业务的挑战分析…………………………………………………………………………………………………. 14
4.2 对银行的存款形成分流…………………………………………………………………………………………………………….. 14
4.3 第三方支付与银行卡支付垄断的关系分析………………………………………………………………………………. 14
4.4 第三方支付对银行客户的抢占竞争………………………………………………………………………………………….. 14
5 银行网上支付业务竞争策略的启示及建议…………………………………………………………………………………….. 16
5.1 加强第三方支付资金清算的力度……………………………………………………………………………………………… 16
5.2 丰富网上银行支付产品功能……………………………………………………………………………………………………… 16
5.3 加强网上支付业务资金的安全…………………………………………………………………………………………………. 17
5.4 加大和第三方支付企业的合作…………………………………………………………………………………………………. 17
5.5组织结构建设……………………………………………………………………………………………………………………………… 18
5.6建设服务导向型企业文化………………………………………………………………………………………………………….. 18
参考文献……………………………………………………………………………………………………………………………………………… 20
致谢……………………………………………………………………………………………………………………………………………………… 21
