Research On Commercial Bank E-commerce Development Strategy

Since 2012, the concept of China’s Internet financial caused widespread concern. Internet companies in e-commerce platform, search engines and social software as the foundation, began to financial business extension. The Internet and computer technology combined with traditional financial business, and has received the good effect.Alibaba group as the representative of e-commerce enterprises, provide further financial services, credit services, on the basis of e-commerce platform.For example, consumer credit and financial services such as content; Followed by the traditional Internet finance with the help of Internet technology, compared with the traditional financial pattern is more incomparable advantages, the traditional financial industry, especially the commercial Banks have a certain impact and challenges.But on the other hand, the Internet financial also has brought new opportunities to the development of commercial Banks in the future. The current domestic part of the commercial Banks began the exploration of Internet financial model. Self-built third-party e-commerce platform is one of the important measures. Construction bank "good financial business", "cross bo hui" bank of communications, industrial and commercial bank of melting E bought online mall and other Banks is e-commerce platform for the construction of the developing and perfecting, it embodies the innovation of commercial Banks and the mastery of new opportunities.Research of this paper from the definition of the concept of e-commerce platform, traditional e-commerce platform to the analysis of the causes of Internet financial extension, enlightenment for future development of commercial Banks, domestic commercial Banks to the electronic commerce development present situation and the countermeasures of e-commerce platform for the development of commercial Banks in four aspects.