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在社会经济不断进步的过程当中,电子商务逐渐出现,并被广泛的应用在了我国的各个行业当中,这就使得第三方支付行业出现了大规模以及快速发展的这一趋势。然而,第三方支付行业在得到快速发展的同时,也给传统商业银行的业务造成了巨大的影响,导致商业银行流失掉了许许多多的客户。于是,在第三方支付企业获得牌照后,传统商业银行该采取什么措施,来降低第三方支付企业对其业务造成的影响,成为了传统商业银行的首要任务。因此,本文将对第三方支付企业获得牌照后对传统商业银行业务的影响进行深入的分析和探究,并从中挖掘出能够有效降低第三方支付企业给传统商业银行造成影响程度的建议。
In the continuous progress of social economy, e-commerce is gradually emerging and widely used in various industries in our country. This has led to the trend of large-scale and rapid development of the third-party payment industry. However, with the rapid development of the third-party payment industry, it has also had a huge impact on the business of traditional commercial banks, resulting in the loss of a large number of commercial banks. Therefore, after a third-party payment enterprise obtains a license, what measures should be taken by traditional commercial banks to reduce the impact of third-party payment businesses on their businesses has become the primary task of traditional commercial banks. Therefore, this article will make an in-depth analysis and research on the impact of the third-party payment enterprises on the traditional commercial banking business and find out the suggestions that can effectively reduce the impact of the third-party payment enterprises to the traditional commercial banks.