Research On Comprehensive E-commerce Service Innovation Strategy Of Automobile Industry Bank And Enterprise

The integrated e-commerce mode of bank and enterprise is an inevitable result of the development of science and technology,and it is a necessary reform for Banks to face the impact of information technology.The cooperation between Banks and enterprises has developed from the traditional business of capital settlement and credit loan to the information connection and business binding between Banks and enterprises.Bank-enterprise integrated e-commerce platform has given new value to the development and innovation of banking business,and may even affect the operation of the whole society and economy.Especially in recent years,the automobile industry has begun to get involved in the field of online development,connecting its financial system with new scientific and technological systems,such as alipay,WeChat and other online payment channels,as well as Banks.Compared with the traditional business model,the use of the integrated e-commerce service platform of the banking enterprise in the automobile industry can not only help the bank to improve its profit space,but also bring better and more convenient financial services to the automobile industry.On July 20,2016,agricultural bank of dongfeng automobile financial company tailored "dongfeng automobile financial services e-commerce platform" is launched,the platform can provide enterprise funds collecting,salary undertakes,commission,and other functions,and through the enterprise to provide the upstream and downstream enterprises of the order data,such as upstream and downstream customers of the enterprise credit calculation,to provide convenient financing services,created a new mode of data network credit,help dongfeng auto financing company,the whole industry chain of economic development.The main content of this paper is to study the practical application of the new model of "integrated e-commerce service for automobile industry Banks and enterprises" in the automobile industry.Taking "dongfeng auto finance e-commerce service platform" as a reference,through the analysis of the business process of the platform,find out the universality of the model.The innovation of the thesis research value from the Angle of the Banks,businesses,it is concluded that the service mode not only can let the enterprise's financing needs and financial needs are met,still can make enterprise get implemented the upstream and downstream of the financing needs of customers,the innovation of product development,innovation the enterprise financing mode,the bank service mode.At the same time,measures and Suggestions are put forward for the promotion of the service model.Finally,the conclusion and inspiration are drawn.Through the research,the following research conclusions are drawn: first,the integrated e-commerce platform of automobile industry Banks and enterprises helps enterprises to realize online sales and transaction settlement of products and improve the efficiency of enterprise fund management.Second,the integrated e-commerce platform ofautomobile industry Banks and enterprises conducts pre-loan evaluation of financing enterprises and calculation of credit line through the operation activities of suppliers,enhancing the risk prevention and control ability of Banks.Third,the integrated e-commerce platform for automobile industry Banks and enterprises can complete system docking without a lot of system development,which is relatively easy to promote.Fourth,through big data mining,the integrated e-commerce platform of automobile industry Banks can find financing customers with high credit quality for commercial Banks.This article mainly carries on the elaboration to the case promotion from two angles.One is the promotion of "automobile industry bank-enterprise integrated e-commerce service" in other project areas;One is the financing promotion of "automobile industry bank-enterprise integrated e-commerce service" in other commercial Banks.It is hoped that the case analysis and discussion of this paper will provide experience and reference for the development and promotion of "integrated e-commerce of automobile industry Banks and enterprises".