传统的电子商务平台通过快速发展已经逐步转变为企业经济生态圈,该生态圈内“物种”丰富,产品多样,改变了消费群体传统的消费行为和投资行为。面对电商产业的迅速崛起,商业银行在感受到挑战和威胁的同时,也必须在竞争关系中谋求机遇,找寻合作路径,努力实现双赢的发展局面。而这也正是本文的最初研究目的。 The traditional e-commerce platform has been transformed into the economic circle of enterprises through its rapid development. The “species” in the ecosystem is rich and the products are diversified, thus changing the traditional consumer behaviors and investment behaviors of consumer groups. Faced with the rapid rise of e-commerce industry, commercial banks, while feeling the challenges and threats, must also seek opportunities in competitive relations, find ways for cooperation and strive for a win-win development situation. This is exactly the purpose of this study.