摘要

网络信息技术的发展，推动了网络经济的繁荣，改变了传统的现金支付方式，使得电子支付成为时代的主导。中国第三方网络支付伴随着电子商务的发展而迅速成长，并借由商业银行所忽视的零售支付业务渗透到用户支付生活的多个领域。近年来，第三方网络支付的发展表现出强大的影响力，在冲击商业银行业务的同时促进了商业银行的创新和转型。

目前第三方网络支付的总体规模相比商业银行较小，并不会对商业银行的盈利造成明显的冲击，但第三方网络支付的发展在一定程度上弱化了商业银行金融中介的主导地位。网络支付是典型的双边市场，具有交叉网络外部性，平台规模和客户粘性对于平台业务的发展具有重要意义，大型支付平台的发展可能会在未来与商业银行的业务产生较大竞争。

关键词：第三方网络支付；商业银行；盈利；中间业务

Abstract

The development of network information technology promotes the prosperity of network economy,changes the traditional way of cash payment, and makes the electronic payment become the dominant of the times. With the development of e-commerce,China's third-party online paymentis growing rapidly, and it has penetrated into many fields of users' payment life through the retail payment business ignored by commercial banks. In recent years, the development of third-party online payment shows a strong influence, which not only impacts the business of commercial banks,but also promotes the innovation and transformation of commercial banks.

At present, the overall scale of the third-party online payment is smaller than that of commercial banks, which will not have a significant impact on the profitability of commercial banks. However, the development of the third-party online payment weakens the dominant position of financial intermediary of commercial banks to a certain extent. Network payment is a typical two-sided market with cross network externalities.Platform scale and customer stickiness are of greatsignificance for the development of platform business. The development of large payment platform may have greater competition with commercial banks in the future.

Key Words: Third Party Network Payment; Commercial Bank; Profit; Intermediary Business