Research Of Electronic Commerce Banking Business For Bank Of Quanzhou

The rapid development of the Internet as the representative of the network information technology now profoundly affects all aspects of people’s lives. E-commerce has changed the traditional commerce mode of geographical and time constraints, more and more people enjoy the efficient and convenient of the Internet. With the development of world economic integration, the rise of e-commerce will have a profound impact on the industrial structure and circulation in China. The traditional banking business is no longer able to meet the financial needs of electronic commerce.Nowadays, the domestic banking industry is facing fierce competition in the industry and out of the industry. It is very for commercial banks to expand the profitable channels. Bank of Quanzhou is one of local banks, located in the Quanzhou area of small and medium-sized enterprises. In order to adapt to the economic development and national policy guidance, it established the electronic banking department in 2013. Although Bank of Quanzhou has achieved a healthy and steady development, in the trend of e-commerce rising, it is necessary to take action to deal with the changing market environment and internal environment.This article studies this problem by reading the relevant literature, and the theoretical concepts of e-commerce business, supply chain finance, bank loan definition, then analyze the internal and external environment of Bank of Quanzhou. It is necessary and feasible of developing electronic commerce banking businessfor Bank of Quanzhou. It goes to find the alternative modes of developing commercial banking business for Bank of Quanzhou, and to design the business processes, involved the improvement in electronic commerce bank business credit evaluation system and risk management. In order to provide theoretical support and practical guidance for the development of electronic commerce banking business for Bank of Quanzhou, and hope that it can provide some reference to the small and medium-sized banks to develop e-commerce banking business.