Southwest University of Science and Technology
Master Degree Thesis
Research of win-win cooperation between regional
commercial banks and third parties
--Based on A rural commercial bank and Alipay
Grade: 2014
Student Number:2014020006
Candidate: Deng Xinran
Academic Degree: Master’s Degree
Speciality: MBA (Master of Business Administration)
Supervisor: Jing Caiyun
Guest Supervisor: Ren Chaofu
June 16, 2018
独 创 性 声 明
本人声明所呈交的论文是我个人在导师指导下进行的研究工作及取得的研究
成果。尽我所知，除了文中特别加以标注和致谢的地方外，论文中不包含其他人
已经发表或撰写过的研究成果，也不包含为获得西南科技大学或其它教育机构的
学位或证书而使用过的材料。与我一同工作的同志对本研究所做的任何贡献均已
在论文中作了明确的说明并表示了谢意
签 名：
日 期： 2018年6月16日
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签 名：
导师签名：
日 期:2018年6月16日
西南科技大学硕士研究生学位论文 第Ⅰ页
摘 要
在我国，区域性商业银行长期以来为完善市场结构、提高资金配置效率、促
进本地经济发展做出了巨大贡献。近年来电子商务兴起，传统的支付方式己不能
满足企业和个人的需求。在电子支付的发展中，和区域性商业银行加强金融创新、
发展网上银行业务相伴的，是第三方支付公司向传统金融服务拓展，二者业务发
生重叠。第三方支付平台的兴起，解决了电子商务发展和互联网产业创新中的现
金流问题，进一步维护了网络金融环境的安全；此外，在开发过程中，随着更多
创新产品的出现，第三方支付被应用到更多领域，并向许多个人和企业提供强有
力的资金转移服务，同时满足客户的支付服务需求的多样化。第三方支付平台与
区域商业银行的关系自其诞生以来就受到关注。第三方支付发展之初，区域性商
业银行为从零售市场巨大的交易量中获取利润，与第三方支付企业开展友好合作，
并提供支付网关接口。然而，第三方支付企业的业务与区域商业银行的中间业务
有很强的相似性，两者竞争是必然的。因此，我们必须依靠双方的开放与合作，
实现双赢，促进我国移动支付发展的进程，扩大业务范围，实现产品创新，与国
际市场接轨
基于此，结合作者本人实际工作,本文以某农村商业银行和支付宝为例,以二
者合作的可行性为研讨对象，首先对与本研究相关的研究背景、意义以及研究方
和支付宝的经营、以及双方合作现状开展分析；然后提出完善某农村商业银行和
支付宝合作的具体措施，最后结论总结全文，希望对关于某商业银行和支付宝合
作的方面的研究有所益助,并对作者的工作有实际的指导意义
关键词：某农村商业银行支付宝合作
西南科技大学硕士研究生学位论文 第Ⅱ页
Abstract
For a long time, China's regional commercial banks have made important
contributions to improving the banking market structure, improving the efficiency of
fund allocation and promoting the sustainable, healthy and stable development of the
local economy. However, with the rise of e-commerce, traditional payment methods can
not meet the needs of enterprises and individuals. In the development of e-payments,
not only do regional commercial banks strengthen financial innovation and develop
online banking, but also many third-party payment companies will develop new
payment applications for many traditional financial services, resulting in overlapping
business. The rise of the third party payment platform solved the cash flow problem in
the development of e-commerce and innovation of Internet industry, and further
maintained the safety of the network financial environment. In addition, in the
development process, with the emergence of more innovative products, third-party
payments are being applied to a greater number of areas, and strong funds transfer
services are provided to many individuals and enterprises while meeting the diversity of
customer demand for payment services. The relationship between the third-party
payment platform and the regional commercial banks has been concerned since its
inception. As third-party payment enterprises began to develop, regional commercial
banks, in order to profit from a large number of small transactions in the market,
engaged in friendly cooperation with third-party payment enterprises and provided
payment gateway interfaces. However, there is a strong similarity between the business
of the third-party payment enterprise and the intermediate business of the regional
commercial bank, and competition between them is inevitable. Therefore, we must rely
on the openness and cooperation of both sides to achieve a win-win situation, promote
the scale of China's mobile payment development process, expand the scope of business,
achieve product innovation, and join the international market.。