摘要随着经济社会活动的互联网化，互联网化迅速向其他行业延伸与渗透，电商金融依托电商平台所拥有的庞大用户群与海量网络交易数据积累等方面的优势，对传统金融行业特别是商业银行的资金融通、支付结算、盈利增长等业务造成影响。
本文利用文献调查法、理论分析法和案例比较分析法。通过对“阿里巴巴”和“京东”两个典型案例进行分析，概括总结了我国电商金融的运作模式和相对于商业银行的比较优势，认为电商金融模式对商业银行金融业务构成了支付结算去银行化、冲击银行信贷业务与提高银行资金成本等方面的影响，商业银行应采取自建电子商务平台、加强与第三方电商平台企业的合作方式以及加快开展直销银行业务等措施应对竞争和挑战。
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
目 录
摘 要 Ⅰ
Abstract Ⅱ
一、引言 1
二、电商金融的相关概念 2
㈠ 电子商务 2
㈡ 电子金融 2
㈢ 电商金融 2
三、我国电商金融的发展现状与运作模式 3
㈠ 我国电商金融行业发展现状概况 3
㈡ 我国电商金融的运作模式 4
四、我国电商金融对商业银行体系的影响 10
㈠ 电商金融的比较优势 10
㈡ 电商金融对商业银行体系的影响 11
五、商业银行应对电商金融竞争的策略 13
㈠ 自建电子商务平台，积累交易数据 13
㈡ 加强与第三方的合作，拓展自身金融业务 13
㈢ 加快开展直销银行业务 14
参考文献 16
致 谢 17,4002
电商金融的运作模式与商业银行的应对策略
一、 引言
随着现代信息技术的发展，互联网在经济社会活动的影响愈加深远，互联网化成为了其他行业发展的有效补充与延伸，互联网金融对传统金融行业的资金融通、支付结算、盈利增长等运作模式造成影响，引起社会各界的广泛关注。 电商金融的运作模式与商业银行的应对策略:http://www.youerw.com/jingji/lunwen_438.html