On the Optimal Strategy of the Participating Subjects in the Electronic Payment Market in China

摘要

This paper focuses on the development and innovation of third-party electronic payment services and modes and the development and current situation of online banking as well as the regulatory policies of financial regulators. From the perspective of interest concerns of major players in the electronic payment market, The main conclusions are as follows: third-party payment service providers should give full play to the ability and advantage of payment mode innovation and service innovation; commercial banks should fully and accurately grasp the characteristics and trends of the development of Internet finance and change the modes of product development, business development and marketing advertising. Financial supervision should be conducted in a timely and effective manner, prevent financial confusion and systemic financial risks, ensure standardized operation, orderly competition and service entities, and encourage innovative Internet financial development. This paper analyzes the current situation of electronic payment market in our country from a unique perspective, and gives some concrete suggestions for participants' future development by analyzing, which has certain reference value for the better development of electronic payment market.