电子商务环境下我国商业银行发展战略分析-电子商务专业论文.docxVIP

II II Abstract With China’s entry to the WTO, the banking industry is constantly open to the overseas. Especially after 2006, some foreign banks began to operate RMB business, which causes growing competition among banks and increasing higher level demand from customers. Commercial banks improve its core competitiveness through the intervention in electronic commerce, in order to improve the market share and increase new profit point. E-commerce business plays an important role in relieving the pressure of front counter, innovating financial service and increasing the income of intermediate service. Therefore, how to accurately pave the e-commerce strategic line of commercial bank in order to occupy dominant position in the fierce competition, which becomes the top priority of commercial banks. The paper mainly considers e-commerce’s practical application in commercial banks. Through reviewing elementary theory knowledge of electronic commerce, on the basis of comprehensive research in electronic commerce development at home and abroad, firstly this paper analyzes electronic commerce development situation between developed countries and domestic commercial banks, and summarizes the existing problems of electronic commerce development in domestic commercial banks, such as technological environment is immature in external or internal commercial banks, and internal control mechanisms are weak; the business function of online banking is not perfect; the network equipment development are lack of overall planning, and safety technology is urgent to solve three problems. Secondly, it applies PEST method combining with SWOT method and Michael Porters Five Forces Model to analyze external environment and internal condition for electronic commerce development. At last, on the basis of this result, Chinese commercial banks need make strategy through the overall strategy, refocusing strategy, product development strategy, alliance strategy an