The Impact of Third Party Payment on Commercial Banks

摘要

With the rapid development of Internet finance, E-commerce has gradually become the mainstay of commodity trading process under the development of Internet technology, and the third-party payment platform conforms to the opportunity of the development of e-commerce era. Third-party payment institutions have established a powerful transaction guarantee platform between consumers and merchants. The third-party payment platform not only promotes the economic development of our country, but also promotes the vigorous development of e-commerce field. In the case of third-party payment institutions and banks depending on each other, due to the third party payment platform of China's laws and regulations and regulatory measures are not perfect. The risk of third-party payment platform is easily transferred to the banking system. In summary, it is particularly important to study the impact of third-party payment institutions on banks. It also provides corresponding countermeasures for banks to deal with the impact of third-party payment institutions.