City commercial banks how to share the e-commerce feast

In the increasingly fierce competition in the banking sector, commercial banks looking for new profit growth point has become a common pursuit. The emergence and rapid development of e-commerce technology, the commercial banks to obtain a financial product innovation, technological progress, an important means to achieve business growth pattern. With in-depth application of information technology, networking and other high-tech products and technologies in the banking business, the concept of the bank from entity bank changed to a virtual bank, telephone banking, Internet banking, mobile banking, self-service banking channels has become a bank important carrier of the development of e-commerce, however, the level of information technology is relatively backward city commercial banks, how the outbreak of the Internet era take full advantage of multi-channel carrier to share the feast of e-commerce, has become its focus of future development and the difficulties. In this paper, e-commerce environment, the inevitability of problems in the development of e-commerce e-commerce development of China's city commercial banks to come to some suggestions.

The development status of e-commerce

Looking at the global e-commerce market, even in the context of the global economic slowdown, e-commerce still continued surge in the development trend. According to the survey data show that digital service center of China Electronic Commerce Association (CECA), 2010, the global e-commerce market size exceeded $ 27 trillion. Global e-commerce market size of up to $ 40.6 trillion in 2011. The third quarter of 2011, the Chinese e-commerce market transactions amounted to 1.7 trillion yuan, the per capita monthly Internet consumption of Internet users reached 260 yuan, an increase of 7% over the same period in 2010.

The new service areas and the rapid development of e-commerce for China's banking industry, as the fundamental driving force of the transformation of traditional banking, e-commerce full use of modern network technology to help the bank break the traditional marketing model, a change the past, commercial banks rely on to set up outlets marketing channels to attract more customers, more potential customers from online mining. Released by the China Banking Association, 2010 the year the banking sector to improve service situation report said the banking e-banking transactions in 2010 amounted to 13.862 billion of transaction volume of up to 523.7 trillion yuan, business income (including the annual fee income and fee ) 11.833 billion yuan. As of 2010, China's banking industry there are online personal bank customers 271 941 100, online banking enterprise, customers 5,744,100; the number of telephone banking to individual customers and corporate customers amounted to 335.565 million and 3.8523 million; the number of personal and corporate customers of mobile banking 72,563,400 and 12,200 respectively.

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