第三方支付的兴起，虽然使得商业银行传统业务消落，但也促使银行
金融服务不再局限于传统银行的现场办理模式和 POS 机模式，银行业
的互联网时代全面开启。因此，研究商业银行如何应对第三方支付的
冲击，并在业务困境中寻求突破，抓住机遇，探索全面提升银行结算
系统竞争力的有效方法，具有很好的现实意义
论文介绍了银行结算系统定义和结算渠道的分类，第三方支付系
统的经营模式，阐述了第三方支付对银行结算系统的影响，并以案例
为支撑，分析了传统商业银行金融业务面临的困境，最后提出相应的
对策建议。研究发现，在不同领域和行业，第三方支付介入后，传统
商业银行业在渠道铺设、结算方式、客户服务、衍生金融服务等方面
依旧拥有不同的优劣势，并且还拥有两者相结合的综合性创新空间
本文以温州 A 银行在 Q 医院银医结算系统为案例分析对象，从现状分
析出发，尝试研究第三方支付与银行传统结算业务的相互竞争关系，
并总结出第三方支付和银行业务相融合的效益最大化经验，最终得出
两者战略合作的发展模式
同时，针对温州 A 银行在银医合作过程中存在的困难和突出问
题，论文在营销模式、竞争优势、团队建设和未来发展模式等主要方II
面提出一些自己的观点和创新性建议，以期为银行业在银医合作方面
提供经验借鉴和对策建议
关键词：第三方支付，银医合作，结算系统
论文类型：应用基础研究III
Impact of Third-party Payment On Traditional
Business of Commercial Bank ——Taking the settlement
system of A bank in Wenzhou for example
Abstract
With the development of Internet technology, the third party payment mode
becomes more and more convenient,whereas the settlement system of commercial
bank falls behind, therefore, traditional commercial banks are suffering a negative
impact from the third-party payment system.Especially the popularization of mobile
Internet, such mobile payment as WeChat, Ali-pay, these convenient cardless
payment service through the third party payment platform and terminal mobile phone
which can complete payment of consumption and investment etc.,put great pressure
on traditional financial services of commercial banks.Time flies, technology develops.
Internet payment services ecosystem gradually sinks in daily life, provides 24-7
convenient payment services.The rise of the third party payment, which leads to the
falling-down of the traditional business from commercial bank , prompts commercial
banks into an new era that no longer limited to on-site financial service mode and
pos mode, which takes banking industry to a new and comprehensive opening for the
Internet age. Therefore, research of commercial bank on how to deal with the impact
of the third party payment service, and seek breakthrough in difficulties, seize the
opportunity, try to look for the effective method to comprehensively promote on
competitiveness of the bank settlement system, has the very good practical
significance.
This paper introduces the definition of bank settlement system and
classification of settlement system, the work-mode of the third-party payment
system,and elucidates the impact from the third-party payment system on traditional
settlement system of banks based on examples ,and analyses the facing problems of
traditional financial system, finally comes to conclusion to these problems. Studies
show that, in different fields, as the third-party payment service coming in, the
traditional channel, settlement system , customer service and derivative financial of
commercial banks still carry both advantages and disadvantages, and embrace the
comprehensive new space of both sides. This paper also tries to analyze the
competitive relationship between the third-party payment service and traditional
commercial bank payment service,by taking modern situation of A bank’s payment
service system and settlement system of Q hospital as an example. Finally itIV
concludes the maximum-benefit mode by combining traditional bank payment system
and third-party payment system, and leads to a strategic cooperation of both sides.
Meanwhile, as to the problems and difficulties of the cooperation between A
bank and Q hospital in Wenzhou, this article makes several suggestions and author’s
own opinion on marketing mode, deal with advantages and disadvantages,
construction of service team and future direction and mode of marketing, therefore,
provides the experience and suggestiong for reference from the example.
Keywords: third-party payment, hospital-bank cooperation, payment service
system
TYPE OF THESIS: Application Fundamentals浙江工业大学硕士学位论文 第三方支付对商业银行传统业务的影响——以温州 A 银行结算系统为例
V
目 录
1 绪论 ..1
1.1 研究背景 ....1
1.2 研究意义 ....2
1.3 研究方法 ....3
1.4 研究思路 ....4
1.5 可能的创新之处 ..........4
2 文献综述 ..........6
2.1 国外研究概述 6
2.2 国内研究概述 7
2.2.1 关于第三方支付平台方面的研究...7
2.2.2 商业银行结算与第三方支付的相关研究.........8
2.3 国内外相关研究的小结 ...10
3 传统银行结算业务和互联网第三方支付分析 .... 11
3.1 银行结算业务分析 .......11
3.1.1 结算业务的相关理论11
3.1.2 银行结算业务的主要分类........14
3.1.3 传统银医结算业务的合作模式分析16
3.2 互联网第三方支付分析 ...17
3.2.1 第三方支付的经营模式..........18
3.2.2 第三方支付的行业分类和举例....21
3.2.3 第三方支付银医结算业务合作模式分析........22
3.3 第三方支付和银行关系 ...22
3.3.1 第三方支付优势....22
3.3.2 银行结算优势......23
3.3.3 两者关系..........23
4 温州 A 银行银医结算业务的现状 .. 27
4.1 温州 A 银行总体概况 .....27
4.2 温州 A 银行在温州各医院银医结算业务覆盖现状 .....28
4.2.1 温州 A 银行银医结算业务结算渠道种类........28
4.2.2 各医院结算渠道分布结构情况....28
4.2.3 各医院银医结算渠道使用率和结算量变化分析..30
4.2.4 银医结算渠道变化对 A 银行的直接影响........32浙江工业大学硕士学位论文 第三方支付对商业银行传统业务的影响——以温州 A 银行结算系统为例
VI
4.3 Q 医院的传统银行结算系统和第三方支付的比较......33
4.3.1 Q 医院情况介绍 ....33
4.3.2 Q 医院各银行结算系统和第三方支付合作模式介绍 ..........33
4.3.3 Q 医院银行结算系统和第三方支付的结算数据分析 ..........34
4.3.4 Q 医院第三方支付的竞争优势 ....36
4.3.5 Q 医院第三方支付对温州 A 银行银医结算系统的影响 ........37
5 问题和建议 ....... 39
5.1 Q 医院第三方支付和温州 A 银行银医结算系统存在的问题..........39
5.2 温州 A 银行银医结算系统存在的问题 ...40
5.3 应对策略和转型方向......41
5.3.1 温州 A 银行银医结算系统的营销策略研究......41
5.3.2 银行业银医结算系统营销的转型方向..........42
5.3.3 国家政策监管......42
6.结论 . 44
6.1 结论 .......44
6.2 不足之处和今后的努力方向 ...........44
参考文献 ...........45
致 谢 ..48浙江工业大学硕士学位论文 第三方支付对商业银行传统业务的影响——以温州 A 银行结算系统为例
VII
图、表目录
图 3.1 第三方支付流程图....20
图 4.1 温州 A 银行对市区医院就诊机投入趋势图........29
图 4.2 2016 年温州 A 银行在市区 7 家医院结算设备投
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