The impact of third-party payment on the profitability of commercial banks
|Author:||Mgr. Yilin Lu|
|Year:||2021 - summer|
|Leaders:|| prof. Ing. Oldřich Dědek CSc.
|Work type:|| Masters
|Awards and prizes:|
|Abstract:||This article explores the influence of Chinese third-party payment transaction
volume on the profitability of Chinese 15 commercial banks. The article starts from
the operating model of third-party payment , and then builds four corresponding
models from the four dimensions of deposits, loans, non-interest income, and return
on assets to test the impact of third-party payment on the profitability of commercial
banks. The article concludes with conclusion and recommendations for commercial
banks to mitigate risks, supervise third-party payment platforms, and collaborate with
third-party payment platforms.