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以支付宝、财付通为代表的互联网金融第三方支付平台逐渐在客户维护、存贷款业务、理财业务等方面对传统商业银行产生巨大冲击,而作为占据巨大基础份额的传统商业银行也在紧跟步伐不断完善产品和服务。双方应从异质化经营,就各自专长划分市场;加强合作,打造线下合作平台;借助共同的服务群体,第三方支付平台应寻求与城、农商行合作等方面对所面临的问题采取措施,以达到互利共赢的效果。
The third-party payment platform of Internet finance, represented by Alipay and TenPay, has had a huge impact on traditional commercial banks in terms of customer maintenance, deposit and loan business, and wealth management business. As traditional commercial banks, which occupy a large share of the market, are also closely following The pace of continuous improvement of products and services. Both sides should operate from heterogeneity and divide their respective expertise in the market; strengthen cooperation and create a platform for cooperation under the line; with common service groups, third-party payment platforms should seek measures to deal with the problems they face in cooperation with the city and the rural commercial banks, In order to achieve the mutual benefit and win-win result.