从零售交易方式的变革看银行支付业务发展

人类社会只要有分工、有交换,就必然有支付.信息技术将生产者和消费者从繁冗漫长的手工业中解放出来,创造了新的产业生态,也给支付带来重大变革.虽然支付业务一直以来并不是我国商业银行的核心业务,但社会支付交易总额中,绝大多数通过银行完成.随着支付行业中新的参与者、创新交易模式的出现和兴起,商业银行还是感到了前所未有的压力.如何在新的形势下保持强势地位,需要银行分析现状,找准定位、大但创新.

From the Change of Retail Trading Perspective

Human＇s society will have to pay as long as there are division of labors and exchange of commodities. Information Technology made producers and consumers liberated from multifarious and low efficiency handworks, created a new industry ecology and brought tremendous advance in payment. Although the payment is not the core business of our Commercial Banks, most of our country＇ s trading are paid through payment systems of banks. As the new players join the payment and the innovative trading patterns emergence, Commercial Banks feel the pressure. Analyzing the situations and finding the location accurately and insisting bold innovation are of utmost importance to maintain a strong position under new situation.