Design Of The Improvement Scheme For The "Shanrong E-commerce" Of Construction Bank Based On Platform Ecosystem

In recent years,the E-commerce industry in China developed rapidly,but in this process,the development of the bank is in an awkward situation.On the one hand,bank is placed at the end of the electronic commerce transaction chain for payment settlement,it loses the market dominant position in market trading because it is unable to obtain the first-hand transaction data;On the other hand,under the trend of "internet plus ",the traditional e-commerce business sortie into finance,and the internet financial products,such as " Yu E Bao" and " Jingdong Ious",began to nibble away at bank's traditional deposit and loan business,and further threaten the development of banks.facing the pressure from the internet economy,various state-owned commercial banks have launched their own e-commerce brand.However,the bank is not professional,after the boom,the problems of the commercial brands of the banks gradually exposed,in which the "Shanrong E-commerce" platform of the construction bank is the most typical one in the industry and also its problem is the most prominent due to its launching time and scale of development.The research found that compared with the traditional e-commerce platform,with CCB "Shanrong E-commerce " as the representative of the development of the banks' E-commerce,there are many problems,and the development of the platform is far the expectation.Based on this,inspired by the platform strategy and platform ecological theory,using comparative research and normative reasoning method and imitating natural ecosystem,we put forward the concept of "Shanrong E-commerce" platform ecological circle,and combined with " Shanrong E-commerce " related practice put forward the " Shanrong E-commerce " platform improvement scheme based on platform ecological circle.This paper first defines the development goal of "Shanrong E-commerce" platform ecological circle,that is to promote the development of the platform business through the improvement of "Shanrong E-commerce" platform operation,while stabilizing the existing market position of CCB and promoting the diversification of the proceeds of CCB.Then,according to the construction of the "Shanrong E-commerce " platform ecological circle model,the author made relevant application interpretation of the components of the model.Subsequently,from the ecological perspective,this paper points out the specific population points of the "Shanrong E-commerce " of China construction bank in the platform ecological circle,andanalyzes the related ecological functions and functions of various group elements,there are interdependent and competing relationship among species in the platform ecological circle.Finally,this paper focuses on the " Shanrong E-commerce " platform ecological circle related mechanism,through the analysis of the mechanism of species energy flow in the platform ecological zone,gradually clarify the improvement direction of " Shanrong E-commerce " platform,and finally put forward improvement scheme based on platform ecological circle.The author hopes that the construction of the platform ecological circle will play a guiding role for the development of "Shanrong E-commerce ",and also inspire the development of other banks' e-commerce platforms.