Research On Development Strategy Of Bank E-commerce Platform

Electric business platform is a new carrier of traditional business activities in the Internet era, with the gradual improvement of information communication, logistics, payment system in recent years, the rapid growth of online shopping market transactions. At the same time, Ali, Jingdong as the representative of the mainstream business companies began to get involved in the financial sector, the traditional banking industry to bring the impact and challenges. From the beginning of 2012, "shan rong shang wu"of China Construction Bank, " jiao bo hui " of Bank of communications, "rong e gou" of Industrial and Commercial Bank of China and other banking business platform have been put into operation, trying to grasp the customer’s transaction data by way of self built platform, and then through the transaction data and financial data according to the depth of analysis, the better grasp of consumer preference for customers, for customers to provide accurate service.This thesis is about the development of electronic commerce and the development of e-commerce in China. The paper focuses on the advantages and disadvantages of the bank in terms of customer resources, financial payment and brand influence. And ICBC "rong e gou" business platform for the case from the advantages, disadvantages, opportunities, risks of four dimensions, first, through comparison and analysis of the traditional electricity suppliers Alibaba, the bank is the first mover advantage, the need to compete with the existing integrated electronic business platform for online business activities as the medium, to play the advantages of the bank’s payment and financing, to finance the business, to promote business purposes. Two is through the Construction Bank, good financial business platform for comparison and analysis, the electricity business platform should be in the customer and product adhesion on more time, through the financing service and product innovation to attract businesses settled and gradually expand the scale of business.Through the "rong e gou" electricity business platform for personal customer characteristics analysis, in accordance with the number of consumer and monthly consumption amount will be the platform of the customer from low to high 1-5 level, and the current low-end small customers accounted for relatively high, but the high degree of customer activity, value contribution, and from the customer to buy the product category analysis, the customer’s purchase of the consumer preferences; finally, according to the customer’s purchase of goods and information and electricity suppliers through the association analysis of financial information and electricity suppliers to find three categories of potential customers.Finally,In combination with the typical electronic business platform and the "rong e gou" platform, the banks should combine their own business features, play a financial advantage, use the Internet thinking, to improve customer experience, to meet the customer’s personalized needs, and to strengthen the business channels and traditional service channel integration, play a group of enterprises and departments within the Department of professional room together, and then continue to expand the development of the bank’s business platform for the development of electronic business.