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农商行应立足于当地经济发展水平和客户的需求,构建与之相适应和匹配的电商平台发展路径基于互联网的电子商务,在协调、整合信息流、物质流、资金流方面极具有序性、关联性、高效性和渗透力,不仅对传统零售业,也对金融行业产生巨大冲击,改变着金融业态和金融格局。最为显著的表现就是电商支付平台通过各类“宝宝”产品,将银行拥有的活期存款客户迁徙到财富管理领域,使得银行低成本负债客户出现流失,金融脱媒现象日益加深。为了绑定客户,国内各大商业银行纷纷介入电商业务,农村商业银行等农村金融机构也随风而动,
Agricultural Bank of China should be based on the level of local economic development and customer needs, to build and adapt to the development path of e-commerce platform Internet-based e-commerce in the coordination and integration of information flow, material flow, capital flow is very orderly , Relevance, efficiency and penetration, not only for the traditional retail industry, but also a tremendous impact on the financial sector, changing the financial format and financial structure. The most obvious manifestation is that the e-commerce payment platform migrates current-account customers owned by banks to wealth management through various types of “baby” products, causing the loss of low-cost customers and the deepening of financial disintermediation. In order to bind customers, all major domestic commercial banks have stepped in to engage in e-commerce business. Rural financial institutions such as rural commercial banks have also moved in the wind,