Research On Current Situation Of The Development Of "ShanrongCommerce" In China Construction Bank

In recent years, China’s e-commerce has achieved rapid development, the maturing electricity providers have collected a great deal of customer information,the electricity supplier led by Alibaba began to enter the financial sector with their strong service platform and data systems. As the representative of the third-party payment platform,Alipay is gradually diverting bank online payment market; the balance of treasure, treasure entertainment investment banking and other new financial tools are mushrooming; various P2P net loan platform have targeted the lending market; flying red envelopes during Spring Festival Network make people dizzied...... traditional banking has been under attack, at the same time, the electronic business platform shield customer information and customer transactions detailed information,which causes serious bank disintermediation. To further tap the value of customers, gain access to customer transaction data, banks are no longer willing to be only the bottom of the settlement, instead starting to get involved in the field of electricity provider. China Construction Bank officially launched the "ShanrongCommerce" platform on June 28,2012, providing professional e-commerce services and financial support services for the majority of businesses and individuals.The "electricity supplier & finance" model for banks is gradually growing. But this model has been questioned since its very beginning and has raised constantly discussion.For the above, the article conducted a series of data research through questionnaires, interviews,experience method and other methods, then analyzes are summarized on this basis. The article firstly introduces the reasons for system banks to be involved in the electricity business,as well as the background behind the action,Then horizontal comparison is made about business and financial development between the CCB and other four big banks in the field of electronic business,the development of the CCB itself also does the longitudinal comparison.Through such comparison,the advantages and disadvantages of CCB developing "ShanrongCommerce" are listed. Finally, by combining the results of the data analysis with current form of economic development,the article makes proposals to the future development of " ShanrongCommerce" rationalization.Due to the situation that little papers specialize in "ShanrongCommerce",even those reproduced from newspapers and magazines also lack supporting data. A rich data supported article is certainly enlightening. In the form of research,this paper uses specific data to build the development situation, and puts forward suggestions for its future development.