摘要随着科技和互联网的发展，非金融机构的服务范围在不断扩大，我们的支付方式也在不断地更新和变化。第三方支付作为当下使用率最高的支付方式，其平台的发展所面临的压力也日益剧烈。它的发展离不开同商业银行的合作，它们之间既是合作又是竞争的关系，第三方支付的兴起在促进商业银行的发展同时，也给商业银行带来了不小的压力。本文将要对第三方支付给商业银行带来的影响进行研究，首先要阐述第三方支付和商业银行的理论基础、相关概念，发展现状，以及比较优势等等，重点从有利影响和不利影响两方面来探究论文的主题，找出目前商业银行在第三方支付的冲击下存在哪些问题，比如不对等的监管制约了优势发展，商业银行缺乏金融产品创新，与第三方支付的合作力度不足等等，最后针对这些问题，分析出合理的解决方案，商业银行应在面对第三方支付的冲击下，发挥银行的信誉和安全体系优势，大力拓展中间业务，开发客户资源，优化传统的金融服务，加强与第三方支付间的合作等等，保持金融市场上的主导控制地位，在竞争中加强合作，更好地促进自身发展，不断完善我国金融体系。关键词：第三方支付，金融，商业银行，影响StudyontheCountermeasuresofCommercialBanksundertheInfluenceofThird-partyPaymentAbstract:WiththedevelopmentoftechnologyandInternet,theservicescopeofnon-financialinstitutionsisexpanding,andourpaymentmethodsareconstantlyupdatedandchanged.Asthemostfrequentlyusedpaymentmethodatpresent,thepressureonthedevelopmentofitsplatformisbecomingincreasinglyfierce.Itsdevelopmentisinseparablefromthecooperationwithcommercialbanks.Theyarebothcooperativeandcompetitive.Theriseofthird-partypaymentnotonlypromotesthedevelopmentofcommercialbanks,butalsobringsgreatpressuretocommercialbanks.Thispaperwillstudytheimpactofthird-partypaymentoncommercialbanks.Firstly,itshouldelaboratethetheoreticalbasis,relatedconcepts,developmentstatus,comparativeadvantagesandsoonofthird-partypaymentandcommercialbanks,focusonexploringthethemeofthepaperfromthetwoaspectsoffavorableandadverseeffects,andfindoutwhatproblemsexistincommercialbanksundertheimpactofthird-partypayment,suchasunequalsupervisionrestrictingthedevelopmentofadvantages,Commercialbankslackfinancialproductinnovation,lackofcooperationwiththird-partypayment,etc.Finally,inviewoftheseproblems,analyzereasonablesolutions.Inthefaceoftheimpactofthird-partypayment,commercialbanksgivefullplaytotheadvantagesofbankreputationandsecuritysystem,vigorouslyexpandintermediarybusiness,developcustomerresources,optimizetraditionalfinancialservices,strengthencooperationwiththird-partypayment,etc,Maintainthedominantpositioninthefinancialmarket,strengthencooperationincompetition,betterpromotetheirowndevelopment,andconstantlyimproveChina'sfinancialsystem.Keywords:Thirdpartypayment,Finance,Commercialbank,Influence目录一、引言....................................................................1二、第三方支付与商业银行的概述.............................................1（一）第三方支付的相关理论..................................................11.第三方支付的概念.........................................................12.第三方支付的特点..........................................................13.第三方支付的业务范畴......................................................2（二）第三方支付的业务流程..................................................2（三）商业银行的概念及内容..................................................31.商业银行的定义............................................................32.商业银行的业务范围...........................................
