文档介绍：代号 10701 学号 0984400070
分类号 F830 密级公开
题(中、英文)目 A 银行应对第三方支付平台发展的策略研究
Study on Strategies Bank A Should Take to Deal with
the Development of the Third-Party Payment Platform

作者姓名姚巍指导教师姓名、职务赵捧未教授

学科门类管理学学科、专业工商管理硕士

提交论文日期二 0 一二年三月
摘要
摘要
随着电子商务的快速发展,为其提供配套服务的第三方支付平台也随之快速
发展。第三方支付平台一方面为电子商务提供了便利,促进了电子商务的发展,
也帮助商业银行提高了网上银行业务的交易量, 与此同时,它又对商业银行的中
间业务、存款业务等构成威胁。
作为商业银行的一名成员,A 银行的中间业务、存款等业务也受到了第三方
支付平台的冲击,中间业务收入也受到影响。在上述背景下,A 银行应采取何种
对策来应对第三方支付平台的发展,是目前 A 银行迫切需要解决的问题。
首先,本文从商业银行不同业务的角度分析第三方支付平台的发展对 A 银行
的影响;其次,本文对第三方支付平台和 A 银行的业务分别进行了 SWOT 分析,
推出双方各有自己的核心竞争力,且双方在业务上是相互依存的关系,双方之间
是合作与竞争的关系;再次,本文用竞合理论、共生理论分析第三方支付平台和
A 银行的关系,推出 A 银行应与第三方支付平台进行竞争性合作。
根据上述分析结果,本文提出 A 银行应对第三方支付平台的发展的策略,即
竞争性合作策略,并分别提出具体的合作策略与竞争策略。

关键词: 第三方支付银行竞合理论共生理论 SWOT 分析
Abstract
Abstract
With the rapid development of merce, the third-party payment
platform which provides the necessary service is also developing rapidly. On the one
hand, the third-party payment platform provides convenience for merce
to promote the development of merce; on the other hand, it also helps
commercial banks to increase the volume of business of the e-bank. In the meantime, it
threatens mercial bank on the middle business, deposit business and so on.
As a member of mercial banks, the middle business and the deposit
business of bank A was also impacted by the third-party payment platform, and the
middle business have also been affected. In this background, what strategies bank A
should take to cope with the development of the third-party payment platform is a
problem bank A need to resolve immediately.
First of all, this paper analyses the influence on bank A with the development of
the third-party payment platform from the point of view mercial bank’s
different business; secondly, this paper makes SWOT analysis for the third-party
platform and the business of bank A respectively, and launches their own core
competitiveness, and both parties are i