摘 要

二十一世纪互联网飞速发展，网民的规模极速增加，我国电子商务市场呈现出一片繁荣的景象，为我国电子银行、第三方支付等的存在保障了巨大的用户群以及良好的基础设施。同时，电子商务的兴起改变了人们日常的消费模式、生活方式，人们的生活需求也趋于多元化。

支付宝为代表的第三方支付走进人们的生活并且逐渐普及。在互联网时代的大背景下，第三方支付的多元化也给大众的日常生活带来变化，传统商业银行也在不断改革和创新。支付宝为代表的第三方支付以其独立公正、快捷方便、成本低廉等特点给传统商业银行的业务带来了机遇与挑战。

本文通过对数据的搜集、整合，掌握第三方支付以及银行各类业务发展的命脉，比较分析商业银行与第三方支付相同类型的业务以及业务的各个环节的竞争与合作。通过调查问卷数据整合，以支付宝相关产品的办理、营运为例子具体分析第三方支付平台的现状，探讨其发展，继而探讨出对传统商业银行业务的影响；再从柜台业务的办理、电子银行等部分具体探究银行各类业务的发展；最后根据支付宝为代表的第三方支付与传统商业银行业务的关系以及各自发展的趋势，提出传统商业银行现下应当采取的措施。

关键词：第三方支付；支付宝；商业银行

Exploring the Influence of the Traditional Commercial Banking Business Because of the Third-party Payment

——Alipay Case

ABSTRACT

With the rapid development of the twenty-first Internet century and the size of the speed of Internet users increasing, our e-commerce market presents a scene of prosperity. Because of the existence of e-banking, third party payment guarantees enormous user base and good infrastructure. Meanwhile, the rise of e-commerce has changed the people's daily consumption patterns, lifestyles. People's everyday life is becoming rich and colorful.

As the representative of the third-party payment platform alipay has gone into people's lives and gradually spread. In the context of the Internet , third-party payment platform’s diversification is changing the public's daily life. Traditional commercial banks are constantly reform too. As the representative of the third party payment platform, Alipay is independent, fast, convenient and low cost .Bring opportunities as well as challenges to traditional commercial banking business.

Based on the data collection integration, this article will grasps the lifeblood of all kinds of third-party payment and banking business development. We will analyze the differences between commercial banks and third-party payment of the same type of competition and cooperation in all aspects of operations and business. By collecting various data integration and detailed analysis of the status party payment platform, the article will explore its rise and development. From the angle of mobile banking, online bank, we will analyze the development of specific types of business of the bank. Discussing payment on traditional commercial banking. Finally, judging Alipay and traditional commercial banking’s relationships and trends in their development. What’s more, the article will find measures to solve the problems.

Key word: Third party payment；Alipay；Commercial bank

目 录

1 导论 1

1.1研究背景与意义 1

1.2研究内容 1

1.3研究方法 1

2 传统商业银行业务的发展现状 3

2.1传统银行卡业务 3

2.2电子银行业务 3

2.2.1网上银行业务 4

2.2.2手机银行业务 4

3 支付宝为代表的第三方支付的发展现状 6

3.1第三方支付概述 6

3.1.1支付宝的理财产品种类 6

3.1.2支付宝的支付方式 7

3.2第三方支付的交易规模 8

4 第三方支付对传统商业银行业务的影响 10

4.1调查对象基本信息 10

4.2第三方支付对银行业务的影响 11

4.2.1对传统银行卡业务的影响 11

4.2.2对电子银行业务的影响 13

5 应对第三方支付银行应该采取的措施 18

5.1开发手机银行特色业务 18

5.2提高银行服务态度 18

5.3培养专业创新型人才 19

结 论 20

致 谢 21

参考文献 22

附录 24

1 导论

1.1研究背景与意义

2015年中国互联网络研究中心发表了关于中国网民发展状况的统计报告。2014年，中国网民的数量增长到近6.5亿，互联网迅速融入到百姓生活的方方面面，普及率近半百。我国已经进入了互联网时代，大众日常的消费模式、生活方式、生活需求也趋于多元化。随着网络时代的来临，支付宝为代表的第三方支付给百姓的生活带来便利，转账、缴费、充值、购买理财等，这无形中给传统的商业银行业务带来挑战兼并机遇。本文将以支付宝为例，以此为切入点，具体探究第三方支付对传统商业银行业务的影响，并提出现下应当采取的措施。

1.2研究内容

本文通过搜集、整合数据着重从以下几个方面分析：