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摘要：近年来，在我国网络技术信息化大背景下，电子商务的快速发展对人们的消费观念和投资理念产生了重大的影响，对社会生活和经济发展也起到巨大的推动作用。面对电子商务良好前景的发展趋势，商业银行实现业务和服务电子化也已成为势不可挡潮流趋势。因此，电子商务的发展对商业银行是一种机遇，也是一种挑战。本篇文章重点研究电子商务在商业银行中的实际应用，开篇对商业银行与电子商务的发展背景进行阐述及分析研究意义，再围绕电子商务基本理论、商业银行概述等相关研究基础之上，分析商业银行业电子商务发展的现状。其次通过研究电子商务在商业银行发展过程中扮演的角色，进而发现我国商业银行在电子商务的发展过程中存在的问题，总结出我国电子商务在商业银行发展过程中存在应用范围亟需拓宽、盈利性有待提高、面对第三方支付平台缺乏竞争力、交易安全性四大问题。最后采用SWOT分析法分析了我国商业银行发展电子商务内外部的优劣势，并在此基础上，探究我国商业银行发展电子商务的措施为树立以客户为中心的面向客户的电子商务战略、加快电子商务金融产品创新、正确处理与第三方支付平台的竞争与合作三个方面。40127
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毕业论文关键词：电子商务 商业银行 问题 发展对策
Impact of Electronic Commerce on the Development of Commercial Banks
Abstract: In recent years, in the informational technology background, rapid development of electronic commerce has had a major impact on people's consuming attitudes and has also played a huge role investment philosophy on social and economic development. Facing the trend of good prospects of e-commerce, commercial banks and electronic service for business has become irresistible trend. Therefore, the development of e-commerce is an opportunity for commercial banks, but also a challenge. This text emphasizes the study the application of e-commerce in the Commercial Bank, focusing first on the development of commercial banks and e-commerce background elaboration and analysis of significance, then around the basis of relevant e-commerce of the basic theory research, and other commercial banks outlined above, to analyze the situation of the development of commercial banking e-commerce. Secondly, by researching the important role of e-commerce for development of commercial banks, to further find out the sort of issues when commercial banks in the process of developing e-commerce, and summing up the four issues in the development process of commercial banks, as the e-commerce’s need of broadening the range of applications, profitability needs to be improved, the lack of competitiveness in the face of third-party payment platform, and the transaction security. Finally, SWOT analysis method is used to analyze the development of electronic commerce within China's commercial banks outside the strengths and weaknesses, and on this basis, China's commercial banks to explore measures for three aspects about the development of electronic commerce, as to establish a customer-centric customer-facing e-commerce strategy, to accelerate electronic business financial product innovation, to handle the competition and cooperation with third-party payment platform correctly.
Key Words：e-commerce, commercial bank, issue, development strategy
目 录
一、绪论 1
（一）研究背景 1
（二）研究意义 1
（三）研究思路 2
（四）文献综述 3
二、相关研究基础 4
（一）电子商务的含义 4
（二）电子商务的特征 5
（三）商业银行的含义 5
三、 商业银行的电子商务发展现状 6