Research on the Influence of Third-Party Payments on the Business Operations of Commercial Banks

DOI

10.2991/meess-18.2018.34How to use a DOI?

Keywords

Third-party payments, commercial bank, business operation.

Abstract

With the development of e-commerce and the rise of online shopping, third-party payment institutions have gradually developed in recent years. Third-party payments are not just a simple payment channel, and they are widely used in various fields such as agency receipt and payment, investment finance, and online loans, virtually bringing a strong impact on the business and operations of commercial banks. The definition, characteristics, operating model and development status of third-party payments are firstly elaborated in the article, and the positive and negative effects of third-party payments on the business operations of commercial banks emphasis is then analyzed in details. Finally, the study finds out that they bring some negative impacts on commercial bank assets, liabilities and intermediary business, despite the third-party payments are helpful for commercial banks to accumulate customer resource information and promote their improvement of electronic banking business. Some practical suggestions for commercial banks to improve their competitiveness are also put forward at the end of this article.

Copyright

© 2018, the Authors. Published by Atlantis Press.

Open Access

This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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TY  - CONF
AU  - Jingyi Liao
PY  - 2018/08
DA  - 2018/08
TI  - Research on the Influence of Third-Party Payments on the Business Operations of Commercial Banks
BT  - Proceedings of the 2018 International Conference on Management, Economics, Education and Social Sciences (MEESS 2018)
PB  - Atlantis Press
SP  - 166
EP  - 174
SN  - 2352-5398
UR  - https://doi.org/10.2991/meess-18.2018.34
DO  - 10.2991/meess-18.2018.34
ID  - Liao2018/08
ER  -