Analysis On E-commerce Development Trend And Strategies Of Chinese Bank Industry

With the development and popularity of internet technology and internet finance,Chinese commercial banks have on choice but to seek operational reform. They are jostling with each other in the field of e-commerce,which has become the strong driving force for their transformation and future profit growth. In recent years, relying on the continuous development of China’s economic and financial market,constantly improving regulatory system environment,and high-tech level, e-commerce of banking industry has ushered in the best opportunities for development and vigorous innovation power, in the aspects of e-commerce platform construction, e-commerce financing development, and derivative financial service innovation. But, in the face of strong cross-border competitiveness of internet e-business, represented by Alibaba, shown in convenience, innovation, audience, experience, e-commerce of banking industry which restricted by internal system,external regulatory environment, can’t effectively deal with challenges. So that, e-commerce of banking industry has faced unpresidented challenges in terms of payment and settlement, investment, financing, and customer service system.Under the background of the wave of Internet development and big changes, in customer behavior, government, regulatory, technology, market support e-commerce development of banking industry. In such a case, the opportunities coexist with challenges, there are still larger space for development, but if you want to take effective measures to cope with the challenges that must be made more in-depth, comprehensive improvement even reform.This paper analyzes e-commerce development and some typical cases at home and abroad,discusses tendency and strategies of domestic bank e-commerce,and aims to provide some suggestions to the healthy and steady development of it.