中文摘要
近年来，由于计算机等网络信息技术的蓬勃发展，中国电商市场发展得很
快。其中，第三方网络交易的发展趋势也不容忽视。电商的应用领域愈来愈大，
电子商务也开始渗入我们的生活，最典型的就是第三方支付的快速增长。目前，
第三方支付技术发展在中国发展迅速并且对商业银行产生了巨大的影响。电子
商务已经成为银行提高利润的重要手段，不少商业银行还在着力发展和推动线
上业务，陆续发布了网上银行转账、网上支付等金融服务产品，与中小商家进
行信息交流，并展开多方协作，以主动地对抗第三方支付业务发展所造成的影
响与风险。
文章从研究的目的和重要性出发，首先阐述了中国第三方支付的基本定义
与主要特征，进一步阐述了第三方支付在中国的发展状况。接着，文章在简单
阐述了中国商业银行的基础上，对中国市场展开了剖析，并着重解析了第三方
支付的发展趋势及其对中国商业银行的深远影响。在此基础上，对二者的优缺
点加以了比对，并对二者之间的关系作出了剖析与总结，并在理论上分析了当
前我们为适应第三方支付发展而采取的主要举措，包括了怎样加强商业创新，
来促进第三方支付的蓬勃发展。把握好商业银行与第三方支付平台合作共赢的
机会，以应对未来第三方支付的巨大竞争影响，并提出相应的对策建议。
本文的主要结果是，随着人们生活方式的改变以及第三方支付的进一步发
展，商业银行面临着来自第三方支付平台的强大威胁。尽管商业银行在市场总
体上占了主导地位，但它还是必须主动适应第三方支付所带来的挑战与机会。
商业银行面对挑战和机会，在主动适应上述挑战和机会的同时，也要学会怎样
发挥自己优势，抓住机会。随着未来第三方支付市场的扩大，只有通过银行与
第三方支付平台的深入合作，才能保证整个市场的健康发展，实现双赢。
关键词：第三方支付；商业银行；业务影响；合作共赢；中间业务

ABSTRACT
In recent years, due to the vigorous development of computer and
other network information technology, China's e-commerce market has
developed rapidly. Among them, the development trend of third-party
online transactions can not be ignored. The application field of
e-commerce is becoming larger and larger. E-commerce has also begun
to penetrate into our lives. The most typical is the rapid growth of
third-party payment. At present, the third-party payment technology is
developing rapidly in China., And it has had a great impact on
commercial banks. E-commerce has become an important means for
banks to improve profits. Many commercial banks are also focusing on
developing and promoting online business, successively releasing
financial service products such as online bank transfer and online
payment, exchanging information with small and medium-sized
businesses, and carrying out multi-party cooperation to actively counter
the impact and risks caused by the development of third-party payment
business.
Starting from the purpose and importance of the research, this paper

first expounds the basic definition and main characteristics of China's
third-party payment, and then further expounds the development of
third-party payment in China. Then, based on a brief description of
China's commercial banks, the article analyzes the Chinese market. It
also focuses on the development trend of third-party payment and its
far-reaching impact on Chinese commercial banks. On this basis, the
advantages and disadvantages of the two are compared, and the
relationship between the two is analyzed and summarized. It also
theoretically analyzes the main measures we take to adapt to the
development trend of third-party payment, including how to strengthen
business innovation and promote the vigorous development of third-party
payment. Grasp the opportunity of win-win cooperation with third-party
payment platforms to deal with the huge competitive impact of
third-party payment in the future, and put forward corresponding
countermeasures and suggestions.
The main result of this paper is that with the change of people's life
and the further development of third-party payment, commercial banks
are facing a strong threat from third-party payment platforms. Although
commercial banks dominate the market as a whole, they must actively
adapt to the challenges and opportunities brought by third-party payment.
。。。以下略