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。
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.
出处
《上海金融》
CSSCI
北大核心
2008年第9期86-89,共4页
Shanghai Finance
关键词
电子支付
第三方支付
银行支付脱媒
Electronic Payment
Third Party Payment
Payment Disintermediation
