文档介绍：Classified Index: CO DE : 10075 NO: 20120392 A Dissertation for the Degree of M. Finance Third -party payment’s challenges for our country’merc ial bank business and countermeasures research Candidate: Hu Liyuan Supervisor: Prof. Liu Yang Academic Degree Applied for: Master Degree Specialty: Finance University: Hebei University Dat eof Oral Examination: Jun e ,2014 摘要 I 摘要经过十余年的发展,中国第三方支付市场已经由一个新兴的行业逐渐发展成为一个不断成熟、合规、被大家熟知的行业。第三方支付已经成为中国金融支付体系中不可或缺的一员,代表企业有支付宝、财付通、汇付天下、快钱等。随着第三方支付不断拓展业务的广度与深度,其已经开始侵蚀银行的份额,惊人的增长速度让银行倍感压力。商业银行作为我国金融体系的主导力量,其发展的好坏直接影响着经济运行的好坏。面对新兴的互联网金融形式,我国商业银行如何发展和完善自身的传统业务和中间业务以提高自身的竞争力,对我国商业银行持续、稳定、健康发展以及经济的良好运行具有一定的现实意义。本文从我国第三方支付的发展现状以及特点入手,并以第三方支付的代表企业——支付宝为例对第三方支付的优势进行重点分析,然后分别从商业银行中间业务和传统业务两个角度分析第三方支付对我国商业银行支付结算、代收代付、代销基金、存贷款等业务形成的各种挑战,最后提出商业银行应通过树立以市场为导向、以客户为中心的经营理念,大力发展个人理财、金融衍生品、电子银行这些有技术含量、附加值高的中间业务,不断改革创新传统业务以及加强与第三方支付的合作等途径来提高自身的竞争力。关键词第三方支付商业银行支付宝金融创新 Abstract II Abstract After more than ten years of develop ment, Chin ese third -party payment market has gradually developed into a mature, compliance, familiar industry from an emerging industry. The third -party payment has e an integral member of the Chinese financial payment system, and on behalf of the se enterprise sare Alipay , Tenpay, C hinapnr, 99bill , etc . As the third -party payment constantly expand sthe depth and breadth of its business, it has started to erode the bank's share and its stagg ering growth rate puts pressure on Banks. As the dominant force in the financial system in China, commercial banks’ development directly affect sthe quality of economic running. In the face of emerging financial form, how to develop and improve Ch in mercial banks’ traditional business and intermediary business to improve petitiveness, has a certain practical significance in promoting Chinese commercial banks to develop c ontinually, steadily and healt