电子测试
電子測試
전자측시
ELECTRONIC TEST
2013年
13期
219-220
,共2页
第三方支付%互联网金融%商业银行%金融创新
第三方支付%互聯網金融%商業銀行%金融創新
제삼방지부%호련망금융%상업은행%금융창신
Third-party payment%Internet finance%Commercial bank%Financial innovation
随着网络经济的兴起，第三方支付业务迅速发展。作为一种支付结算的信用中介，现在它还兼具了投资理财功能，这一切都改变着传统金融业态。本文以“余额宝”的推出将刺激金融创新加速为背景，分析了第三方支付及互联网金融的发展现状，归纳了第三方支付促进互联网金融创新的三种方式，最后得出传统银行与第三方支付间可以竞争式合作，共同促进创新金融发展的结论。
隨著網絡經濟的興起，第三方支付業務迅速髮展。作為一種支付結算的信用中介，現在它還兼具瞭投資理財功能，這一切都改變著傳統金融業態。本文以“餘額寶”的推齣將刺激金融創新加速為揹景，分析瞭第三方支付及互聯網金融的髮展現狀，歸納瞭第三方支付促進互聯網金融創新的三種方式，最後得齣傳統銀行與第三方支付間可以競爭式閤作，共同促進創新金融髮展的結論。
수착망락경제적흥기，제삼방지부업무신속발전。작위일충지부결산적신용중개，현재타환겸구료투자리재공능，저일절도개변착전통금융업태。본문이“여액보”적추출장자격금융창신가속위배경，분석료제삼방지부급호련망금융적발전현상，귀납료제삼방지부촉진호련망금융창신적삼충방식，최후득출전통은행여제삼방지부간가이경쟁식합작，공동촉진창신금융발전적결론。
As the network economy booms,the third-party payment business grows rapidly.As a credit intermediary for payment and settlement,the third-party payment also combines with the function of finance and investment,changing the traditional financial system.Based on the background of the stimulation of financial innovation acceleration by the launching of YuEbao,this paper analyzes the current development situation of third-party payment and Internet finance,summarizes the three ways of promotion of Internet financial innovation by third-party payment,concludes that traditional banks and third party payment can cooperate with each other while competing to promote the development of innovative finance jointly.
