Environment Analysis And Development Plan Of Electronic Commerce For Bank Of China

The development of the information technology, popularize rapidly in the whole world of Internet, enable enterprises to utilize the information technology and network technology, regarding global market as its commercial space, the limitation of time and space disappears. With the wide application of the computer, the popularization of the network and development of ripe and communication technology, the application of e-commerce has already begun to draw common concern of various circles of society, and came into daily life progressively . E-commerce utilizes the modern computer and network technology to finish the course of the whole commercial trade activity through the electronic means, it has its own characteristics such as virtual , high efficiency , low costs ,etc. The appearance of e-commerce, make the distance between the business activity and ordinary people close, have changed the traditional commercial mode.The bank is contacting both ends in the commercial trade, offer the platform traded to both parties. With development of the computer network and the increasing of electronic commercial activity day byday, the bank who offering service of paying and settling account in trade, e-commerce system plays a more and more important role in the trade activity, it is the essential condition that the electronic commercial activity realizes. Under the environment of e-commerce, the support ability in line payment of the bank plays a decisive role to the success of e-commerce trade, it is an extremely important link in the electronic commercial activity.Traditional bank unable to finish electronic commercial activity paying tasking that settling account on the net required, use the information technology, the new-type banking system combined with e-commerce 桾he online bank becomes the inexorable trend of bank's development too. The online bank (Internet Bank or E-Bank), also call the network bank. Mean the financial institution utilizes Internet network technology, relies mainly on computer of the bank, regard the self-built communication network of the bank or the public internet as the media of transmitting, regard the unit or the personal computer as and network the new-type bank's system of " the Trinity " of the terminal station. The network bank has offered a kind of brand-new bank customer to submit the way, make users unable to be surfed theNet the way (PC, PDA, cell-phone, television roof box, etc. ) and restriction of space-time , no matter at home, office, or during the journey, all can manage his own assets and enjoy the service of the bank convenient Users only found the website address of this bank on the computer, and then according to counter of screen on, he can open an account, deposit, pay the bill, transfer accounts and grant the loan , buy insurance business to handle to brief.Compared with developed countries and regions in foreign countries, the online bank of our country starts relatively late, but develop very fast in recent years. China Merchants Bank set up it's own websites formally since 1997, became domestic first bank surfmg the Net, up till now, Bank of China, the Chinese Construction Bank, Industrial and Commercial Bank of China, Communications Bank of China and China Merchants Bank, the five main bank all build MIS and e-commerce platform At present, the e-commerce business that the financial circle of our country introduces is mainly as follows, foreign currency deposit, bank card, bond, housing loan, income and principal calculate, grant such professional knowledge as decision ,etc. loan. Online business of China Merchants Bank except personal bank alsoincluding online enterprise bank, online securities, in time payment on the net for person.The development of e-commerce of the bank need good external environment condition . According to trade procedure, the online shopping can be divided into two basic links --Trade link and paying the settlement link . Pay settlement link needs the help of the gateway, the band who receive the document ,and the bank who issue the card...