近年来,我国电子商务市场和非金融机构支付平台正以前所未有的速度迅猛发展,对实体经济和传统商业模式产生了重大影响,特别是对商业银行的经营方式形成了巨大挑战。本文通过剖析我国电子商务发展现状,对电子商务发展给银行业带来的挑战和机遇作出了多维度的分析判断,提出了商业银行电子商务的发展战略。 In recent years, the payment platform of e-commerce market and non-financial institutions in our country is developing at an unprecedented speed, which has a significant impact on the real economy and traditional business models, especially for the commercial banks. By analyzing the current situation of e-commerce development in our country, this paper makes a multi-dimensional analysis of the challenges and opportunities brought by the development of e-commerce to the banking industry and puts forward the development strategy of e-commerce of commercial banks.