摘要
随着电子商务的迅猛发展,银行与第三方支付之间的关系出现了更为微妙的变化。笔者试图从银行为第三方支付平台提供支持和第三方支付机构给银行带来的机遇挑战两方面出发,介绍了两者竞争合作的博弈关系,同时通过对银行进入第三方支付行业的两大主要困难的分析,最终提出中国第三方支付的前景构想,即"商业银行应采取母子公司型控股公司模式,以成立第三方支付子公司的模式介入第三方支付,在中央银行统一管理下,与现有的民间第三方组织形成市场竞争"。
With the rapid development of e-commerce,the relationship between banks and third-party become subtler.This paper tries to analyze the relationship of competition and cooperation between banks and third-party.Though introduction of the mutual dependence between them and indicating two main difficulties that intervene the banks participating into the third parties＇ market,this paper finally makes the conclusion of the concept of third-party payment in the future,i.e.,＂commercial banks should adopt corporate parent holding company model and establish the pattern of third-party affiliates in order to intervene in the third parties＇ market,and finally develop the market competition.＂
出处
《浙江树人大学学报》
2011年第2期36-39,共4页
Journal of Zhejiang Shuren University
