| 电子支付的兴起与商业银行服务边界的改变 |
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| 引用本文： | 包春静.电子支付的兴起与商业银行服务边界的改变[J].上海金融,2008(9). |
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| 作者姓名： | 包春静 |
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| 作者单位： | 复旦大学博士后流动站,上海,200433 |
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| 摘 要： | 电子支付方式的出现和兴起不仅影响和改变着商业银行的服务方式,而且对商业银行的核心支付功能将带来挑战。随着电子支付方式的演进和第三方支付组织的出现,商业银行作为借贷中介出现"脱媒"之后又面临着"支付脱媒"的挑战。本文将围绕电子支付当前的主要方式、产品和组织创新,其对商业银行服务边界可能带来哪些改变,银行面临哪些"支付脱媒"挑战等方面进行论述,然后提出一些政策建议。
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| 关 键 词： | 电子支付 第三方支付 银行支付脱媒 |
The Thriving E-Payment and Its Impact on Commercial Banks Services |
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| Bao Chunjing.The Thriving E-Payment and Its Impact on Commercial Banks Services[J].Shanghai Finance,2008(9). |
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| Authors: | Bao Chunjing |
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| Institution: | Bao Chunjing |
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| Abstract: | As the E-payment springs up,the core function of commercial banks are seriously challenged.As traditional payment intermediary,commercial banks need to compete with new payment approaches,such as E-payment and third party payment organization.In order to grapple with the challenge brought by disintermediation,commercial banks should revise current service package,and make innovative efforts. |
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| Keywords: | Electronic Payment Third Party Payment Payment Disintermediation |
| 本文献已被 CNKI 维普 万方数据 等数据库收录！ |
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