China Construction Bank Qingdao Branch "Good Financial Business" The Operation Mode Of The Platform

With the rapid development of electronic commerce,headed by alibaba electric business platform with its powerful advantages into the financial sector,the traditional banking sector has received great impact and how to excavate the existing the potential needs of customers,develop new customers,looking for new profit growth point,to maintain its position in the field of financial,has become the focus of commercial Banks,commercial Banks are no longer willing to do the electronic commerce chain at the end of the payment and settlement business,but because of its strong advantage,resource advantage and mature system to fully develop e-commerce business,each big commercial Banks already have set up their own electric business platform,at present,such as China construction bank,Industrial and Commercial Bank of China,bank of communications,many Banks set up their own e-commerce platform,to provide Internet financial services to our customers.In 2012,the construction bank founded the first e-commerce platform,"good financial business," open "Internet + business + financial" model."Good financial business" includes goods wholesale and retail,financing services,financial services,personal housing transactions and other financial and business services,can provide customers with products already so the function of online transactions,and can provide customers with a variety of financial financing services,special services such as installment payment.In this paper,the construction bank,Qingdao branch the operation mode of the "good financial business" platform research from the basic concept of the electronic commerce platform,the basic theory of electronic commerce development present situation,on the basis of further detailed analysis of the construction bank,Qingdao branch of good financial business operation mode,the problems existing in the construction bank,Qingdao branch electric business platform and the development Suggestions were put forward to solve these problems.First this paper introduces the concept of e-commerce,on the basis of the understanding of e-commerce platform theory this paper expounded the status of the development of electronic commerce in our country,on the analysis of the mode of e-commerce platform in detail,and then spread to China construction bank Qingdao branch good harmony analysis of the present status of e-commerce platform,including corporate and personal shopping mall in almost three years business data analysis,for the services it provides platform,operation mode and development and its competitive advantage.Followed by electric business platform of China construction bank Qingdao branch,analyzes the problems existing in the operation mode from the aspects of system construction,operation promotion and innovation,find out the cause of the problems.Finally is the China construction bank Qingdao branch "good financial business" platform development Suggestions.Commercial Banks to develop electric business platform,the first to have clear knowledge of their own advantages and disadvantages of the current development of good large electric business enterprise good mode of operation and operation experience for reference and learning;The second should strengthen the construction of commercial bank's internal system,optimizing operation process,strengthen the cultivation of professional talents,strengthen.Cross-border cooperation,improve customer experience,enhance the competitiveness of the "good financial business" platform,to meet the development of electronic commerce.