Study On The Problems And Countermeasures Of E-commerce Development Of Postal Savings Bank

Thanks to the popularity of the Internet and advances in information technology,domestic e-commerce ushered in the golden era of rapid development,the e-commerce transaction scale sustained rapid growth, and is widely used in various fields of economic and social life. In the face of the booming e-commerce, commercial banks the opportunity and challenge coexist. Good prospects for e-commerce market,the commercial banks will provide a new opportunity for development. Meanwhile, the electricity supplier enterprises with electricity suppliers can not have a little boo means of financial services, commercial banking financial intermediaries standing tradition in jeopardy. In response,commercial banks only attach great importance to their own e-commerce development, in order to grow in a tough tenacious complex business environment, not to be eliminated by the Internet financial trend. Part of having foresight to the Construction Bank as the representative of the commercial bank, the first to introduce the good financial business and other Bank of electronic commerce has achieved some success. As a young commercial banks, postal savings bank of China should be how to adapt to the trend of e-commerce and to be bigger and stronger, boost the healthy growth of the postal savings bank is worth pondering.This paper first to the basic mode of e-commerce in the commercial bank and development target of induction,and based on the current e-commerce development for Postal Savings Bank, discusses the Postal Savings Bank of e-commerce development process problems, noted the Postal Savings Bank of e-commerce is still in its infancy, and have launched its reason. At the same time, combined with the Construction Bank of e-commerce development, more advanced practice and experience of carding、 refining and mining for good financial business. Finally, in reference to the Construction Bank of good financial business operating experience,further puts forward the suggestions and Countermeasures on the development of electronic commerce through the postal savings bank,straighten out the management system, improve corporate governance, changing the management concept, attaches great importance to the development of electronic commerce, with the B2 B service asthe first,test the O2 O business, agricultural e-commerce further layout, to actively enhance the user experience, in financial products featuring prominent professional advantage, innovative marketing tools, brand shaping electric and other measures to promote the development of electronic commerce for Postal Savings Bank.