地方商业银行与第三方支付平台的竞合关系思考——以福建A银行为例

近年来,第三方支付平台展现出巨大的影响力,其在冲击银行传统零售业务的基础下,也促进了银行创新与转型发展。通过构建地方商业银行与第三方支付平台的博弈模型,将地方商业银行和第三方支付平台依次作为决策方,设定选择合作或竞争作为双方之间的博弈策略,通过动态博弈选择,获得地方商业银行和第三方支付平台的博弈结果。并且,以福建A银行为例,对其与第三方支付平台的竞合关系进行现实考察,验证博弈分析的结果。基于地方商业银行视角,从竞争层面看,应提高自身渠道功能,增强竞争实力;从合作层面看,应积极开展业务合作,实现业内共赢。

On the Co-opetition Relationship Between Third Party Payment Platform and Local Commercial Banks: A Bank of Fujian Case

In recent years,third-party payment platforms have shown tremendous influence.They not only adversely affect the traditional banking retail business,but also promote bank innovation and transformation.The paper constructs a dynamic game model to analyze the co-opetition relationship be-tween local commercial banks and third-party payment platforms.Through using the local commercial banks and third-party payment platforms as decision makers in turn and choosing cooperation or com-petition as a game strategy between the two parties,the game results of the local commercial bands and third-party payment platforms can be obtained.It paper then takes A Bank of Fujian as an example to inspect the co-opetitionreality.On the basis,the paper puts forward some suggestions for the local com-mercial banks.