Study On Countermeasures Of E-commerce Development Of Commercial Banks

With China’s accession to the WTO, banks continue to open to the outside world, especially since2006,some foreign banks go to operate RMB business, causes the problem of inter-bank competition, personalized customer demand increases, at the same time electronic commerce transaction scale of China’s sustained and rapid growth, the Internet is bringing new ways and experience of social life, domestic there have been more and more enterprises with e-commerce platform to establish new sales channels, to explore new profit model, looking for new business opportunities, the network of production and consumption patterns are gradually formed, the value system of electronic commerce has also continued to develop and mature. Therefore, commercial banks can participate in e-commerce to enhance the core competitiveness of the banks themselves, improve market share, increase the new profit growth point, widen the channels of business, let the electronic commerce become its product innovation dynamics.This paper first analyzes the symbiotic relationship between commercial banks and electronic business, and introduces the development status of domestic and foreign commercial banks, electronic commerce, and then out of the main problems facing the development of electronic business of commercial banks in China are summarized, including electronic commerce depth and breadth is very limited, the third party payment platform competition, lack of enterprise informatization level, security of Internet transactions need to solve a series of problems such as, and studies the Countermeasures of e-commerce development of the commercial bank has the following several aspects, pay attention to the layout of Commodity E-commerce transaction market, set up a new type of electronic business service platform, the electronic commerce development of financial service innovation, improve the system of electronic commerce security system, finally emphatically analyzed the electronic commerce brings to the commercial bank’s development opportunities.