摘要
随着网络经济的兴起,第三方支付业务迅速发展。作为一种支付结算的信用中介,现在它还兼具了投资理财功能,这一切都改变着传统金融业态。本文以"余额宝"的推出将刺激金融创新加速为背景,分析了第三方支付及互联网金融的发展现状,归纳了第三方支付促进互联网金融创新的三种方式,最后得出传统银行与第三方支付间可以竞争式合作,共同促进创新金融发展的结论。
As the network economy booms,the third-party payment business grows rapidly.As a credit intermediary for payment and settlement,the third-party payment also combines with the function of finance and investment,changing the traditional financial system.Based on the background of the stimulation of financial innovation acceleration by the launching of YuEbao,this paper analyzes the current development situation of third-party payment and Internet finance,summarizes the three ways of promotion of Internet financial innovation by third-party payment,concludes that traditional banks and third party payment can cooperate with each other while competing to promote the development of innovative finance jointly.
出处
《电子测试》
2013年第7S期219-220,共2页
Electronic Test
关键词
第三方支付
互联网金融
商业银行
金融创新
Third-party payment
Internet finance
Commercial bank
Financial innovation
