Research On Commercial Bank E-commerce Platform

In the economic downturn,interest rate marketization and the booming Internet financial business situation,domestic Banks face enormous pressure to survive,the commercial Banks have to beyond the traditional deposit and looking for new profit growth point,to move into e-commerce as they face huge opportunities and challenges,how to better develop with financial characteristics of e-commerce is becoming a hot spot of current research.At present,China's Banks have successively established internal e-commerce platform,e-commerce applications showed a trend of higher universal,normalized,how to regulate the banking risk management,e-commerce platform bring bank anticipated target,is the current bank problems needed to be focused on in the industry.Therefore,by means of melting E purchase and the development of the urgent problems,the present situation and long-term planning,if can see e-commerce from merely as a technical tool of thinking bias,walking out of the thinking mode of electronic commerce,as a kind of comprehensive merged into the field of traditional financial reconstruction,the future of e-commerce in the field of financial innovation space will be more broad and profound,will help the bank's management and management mode of the current financial industry e-commerce platform development bottleneck to grasp the system,and the meaning of e-commerce platform and building a constructive help in the future.This article selected from the five big commercial bank comprehensive e-commerce platform development representative of industrial and commercial bank of melt E purchasing platform as the research case,melting E purchase analysis of the background,significance and existing problems,on the niche theory put forward integrating E bought to healthy,sustainable development strategy,hope that through this topic research can thought transformation of commercial Banks practitioners,recognize that the current financial trend of e-commerce development,better cope with the strategic transformation of commercial Banks in the future competition.