Development Of Commercial Bank's Electronic Business Platform

With the advancement of marketization of interest rate in our country,banks originally rely on national policy earn lending spreads the space is tightly constricted,the development of Internet technology,the third-party payment agencies slowly into the banking business for,to the future of business bank brought great threat,so bank development of electronic business platform is the trend of the times.However,the bank would like to expand this new field will have to overcome its disadvantages.Industrial and commercial bank,construction bank,Agricultural Bank and so on have to carry out their own e-commerce business,but each commercial bank's operating model is not the same.Bank of China's e business manager launched B2 B and B2 C and other customer operation mode,build a collection of electricity providers,finance,payment,consumption in one of the three rural Internet financial ecosystem.For ABC's e business manager,to face the pressure from all sides,which both have competition from the same industry competition from the internet.At present,the bank's e-commerce platform built by the traditional electronic business platform has a lot of difference,such as business philosophy and development model.This paper firstly gives an introduction of the business with the traditional banking business.Secondly,it points out that the urgency of the bank to the development of electronic commerce platform,and then mainly on the ABC of E business steward platform of a competition analysis,the internal and external environment analysis.Finally,combined with the current situation of the development of the bank's e business manager,discussed the development of commercial banks and prospects of the business platform and prospects.For new platform of electronic business platform of the commercial banks in the start will be faced with the problem of lack of experience and management problems,but also has good prospects for development and that the current financial disintermediation phenomenon is only temporary,and on this basis,put forward relevant suggestions.