第三方支付对中信银行中间业务的影响及研究摘要随着科技进步，国民经济不断发展以及互联网的迅速普及，第三方支付脱颖而出，其拥有便捷高效的支付方式和业务领域，广泛地得到消费者的认可，成为当下流行的支付工具。并且和我国商业银行中间业务具有相似性。自中国改革开放以来，中信银行作为最早成立的新兴商业银行之一，积极推动战略转型，持续创新，使其中间业务的发展迅速，在商业银行中名列前茅。因此本文以中信银行作为主体，对第三方支付在中信银行中间业务的影响进行研究分析。以理论和实证分析相结合，探讨第三方支付对中信银行中间业务的影响，并为中信银行中间业务未来的发展提出建议和对策。关键词：第三方支付；中信银行；中间业务Researchontheimpactofthird-partypaymentontheintermediarybusinessofChinaCITICBankAbstractWiththeprogressofscienceandtechnology,thecontinuousdevelopmentofthenationaleconomyandtherapidpopularizationoftheInternet,third-partypaymentstandsout.Ithasconvenientandefficientpaymentmethodsandbusinessfields,hasbeenwidelyrecognizedbyconsumersandhasbecomeapopularpaymenttoolatpresent.AnditissimilartotheintermediarybusinessofcommercialbanksinChina.SinceChina'sreformandopeningup,asoneoftheearliestemergingcommercialbanks,ChinaCITICBankhasactivelypromotedstrategictransformationandcontinuousinnovation,sothatitsintermediarybusinesshasdevelopedrapidlyandrankedamongthebestamongcommercialbanks.Therefore,takingChinaCITICBankasthemainbody,thispaperstudiesandanalyzestheimpactofthird-partypaymentontheintermediarybusinessofChinaCITICBank.Combinedwiththeoreticalandempiricalanalysis,thispaperdiscussestheimpactofthird-partypaymentontheintermediarybusinessofChinaCITICBank,andputsforwardsuggestionsandCountermeasuresforthefuturedevelopmentoftheintermediarybusinessofChinaCITICBank.Keywords:Thirdpartypayment;ChinaCITICBank;Intermediarybusiness目录一、引言.......................................................................................................................................................1（一）研究背景及意义............................................................................................................................11.研究背景...................................................................................................................................12.研究意义...................................................................................................................................1（二）文献综述..........................................................................................................................................11.商业银行中间业务的相关研究.................................................................................................12.第三方支付对商业银行中间业务的影响的相关研究..............................................................23.文献评述.....................................................................................................................................2（三）研究的方法、研究框架..................................................................................................................21.研究方法.....................................................................................................................................22.研究框架.....................................................................................................................................2二、相关概念界定..........................................
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