近年来,随着网上支付业务的迅猛发展,从前“依附”银行的第三方支付变得独立和强大,对银行形成了一定的竞争压力。而银行对第三方支付的感情也是颇为复杂的,一方面希望通过合作来分享线上支付的盛宴,另一方面又担心银行的直连商户“变心”而转投第三方支付。不过,随着央行发放了首批《支付业务许可证》,包括支付宝、银联商务、快钱等27家企业率先获得了支付牌照, In recent years, with the rapid development of online payment services, third-party payment of formerly “dependent” banks has become independent and powerful, creating some competitive pressure on banks. The bank’s feelings about third-party payment are quite complicated. On the one hand, it hopes to share the feast of online payment through cooperation and on the other hand worry about direct bank merchants “change of heart ” and switch to third-party payment. However, with the issuance of the first batch of “payment business licenses” by the Central Bank, 27 enterprises, including Alipay, CUP business and quick money, took the lead in obtaining payment licenses,