Work detail

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.
Consultants:
Work type: Masters
MEF
Language: English
Pages: 75
Awards and prizes:
Link: https://dspace.cuni.cz/handle/20.500.11956/150451
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.

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