Find the key point of expanding electric business

The emergence and rapid development of e-commerce not only increases the profits of commercial banks, but also promotes the gradual transition of commercial banks to networked finance. At the same time, the cooperation between commercial banks and E-commerce Enterprises also provides impetus for their innovation and development.

However, there are still many deficiencies in the development of E-commerce in domestic commercial banks, such as the management is not in place, there is no mature technology risk control system, lack of financial knowledge and information technology of the compound supervision personnel, there is not a complete set of electronic banking product innovation system.

Commercial banks are both the support of E-commerce environment and the participants in e-commerce activities. The commercial bank expands the electronic commerce, must focus on the following several aspects:

Optimize resource allocation and management. Capital flow, talent flow, etc. should be unified in the form of information flow to deal with, and strive to management technology intelligence. To the operation of the various information generated by centralized management, so that information to maximize the function. To standardize the business processes and operations involved in E-commerce, the content includes digital signatures, electronic contracts, electronic bills, information security, online business management, privacy protection, and online transactions of economic disputes handling procedures. To establish a set of technology risk identification, measurement, prevention and monitoring system for the development of E-commerce to build a good risk control environment. To reserve both the knowledge of financial business, and the knowledge of computer application and network technology, to reserve skilled personnel who are familiar with business processes and high-risk links, so that the human resources in the network construction has a continuous innovation ability.

Strengthen the construction of technical support system. The foreground of e-Commerce Portal should be connected with net bank and core banking system to realize the integration of Portal management platform and net silver system backstage. We should construct advanced e-commerce payment system and provide many kinds of payment and settlement services. To strengthen the bank payment media hardware and software research and development and application, do a good job with the IT Enterprise Alliance, with the help of database and data mining technology, mining customer demand, the introduction of better products. To increase the investment in network system construction, so that the network system with higher security standards, more advanced security certification means to show in front of users.

Strengthen innovation in financial products and services. We should make full use of the advantages of large number of users, high trust and high security, and actively participate in the Product innovation and service innovation of E-business. On the basis of deeply analyzing consumer's behavior and enterprise's demand, we should strengthen financial innovation service, build online integrated marketing platform, and combine banking line business with customer's offline consumption and entity merchant. We should strengthen the business cooperation and technical exchange with the third party payment company, and introduce more characteristic financial products and services with the innovation of its own advantages.