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2013年全年中国第三方支付机构各类支付业务的总体交易规模达到17.9万亿元,同比增长43.2%。其中线下POS收单和互联网收单分别占比59.8%和33.5%。新兴的网络支付给传统第三方支付和商业银行带来了挑战。本文介绍了我国第三方支付的格局,并根据国际经验和我国现实约束探讨了第三方支付企业变身互联网银行的可能性。
In 2013, the total transaction size of various payment businesses of third-party payment agencies in China reached 17.9 trillion yuan, an increase of 43.2% over the same period of last year. Among them, offline POS receipts and internet receipts accounted for 59.8% and 33.5% respectively. Emerging online payments pose challenges for traditional third-party payment and commercial banks. This paper introduces the pattern of the third party payment in our country and explores the possibility of the third party payment company turning into an internet bank according to the international experience and the reality of our country.