随着社会经济的迅猛发展,电子商务行业也不断加快了发展的步伐,尤其是在近几年中,我国的电子商务发展十分迅速,展现出了良好的市场前景。电子商务具有良好的金融服务功能,不仅可以为商业银行创造的出更多的利润价值,同时,商业银行参与电子商务发展可以有效提高在线支付的安全性。本文首先认真分析了我国商业银行参与电子商务发展中面临的主要问题,并针对我国商业银行如何参与电子商务发展给出了几点建议,以供参考。 With the rapid social and economic development, e-commerce industry has also accelerated the pace of development, especially in recent years, China’s rapid development of e-commerce, showing a good market prospects. E-commerce has a good financial service function, not only for commercial banks to create more profit value, at the same time, commercial banks to participate in the development of e-commerce can effectively improve the security of online payment. This article first carefully analyzes the main problems our country’s commercial banks are facing in the development of e-commerce and gives some suggestions for how our country’s commercial banks participate in the development of e-commerce for reference.