关键词:商业银行管理; 电商金融;竞争策略
Abstract
With the Internet based development of the social and economic activities, Internet quickly extends to and infiltrates into other industries. Electronic business finance depends on the advantages of electronic business platform, its large users base and data accumulation of internet transactions to influence traditional financial industry especially the merchant banking, such as accommodation of funds, payment and settlement, growth of profit, etc.
This paper using the method of literature investigation, theoretical analysis and case comparative analysis. And thoroughly analyses "alibaba" and "the jingdong" two typical case, so conclude the operation mode and competitive advantages of electronic business finance, and puts forward some corresponding strategies for commercial banks under the influence of that new mode, holding the view that e-commerce finance has impact on commercial banks in several aspects including payment and settlement performed without banks,affecting banks' credit business and raising the funding cost of banks and all that. Therefore, the commercial banks should take some measures to confront the competitions and challenges, such as developing their own e-commerce platform,enhancing the cooperation with the third-party e-commerce platform and accelerating the development of direct banking and so on.
Key words:Commercial banks management; electronic business finance ;competitive strategies