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新世纪以来,随着互联网应用的广化和深化,传统的生产、生活和消费方式均发生了翻天覆地的变化。我国电子商务市场和非金融机构支付平台也正以前所未有的速度迅猛发展,已对传统经济模式和商业模式产生了重大影响。特别是第三方支付平台对商业银行传统的存、贷、汇业务和新兴业务形成了多方面的替代和分流。为此,本刊将连续6期刊载“电子商务市场发展及其带来的变革”系列,旨在阐明这一新兴市场形态的发展趋势及其对商业银行的机遇和挑战,为商业银行更好地应对新的市场及竞争提供参考。
Since the new century, with the wide application and deepening of Internet applications, the traditional ways of producing, living and consuming have undergone tremendous changes. The payment platform of e-commerce market and non-financial institutions in our country is also developing at an unprecedented speed and has had a significant impact on the traditional economic model and business model. In particular, third-party payment platforms have created various alternatives and diversions to the traditional deposits, loans, remittance and emerging businesses of commercial banks. To this end, the magazine will be published in six consecutive “e-commerce market development and the changes brought about” series, designed to clarify the development trend of this emerging market and its opportunities for commercial banks and challenges for commercial banks To better respond to new markets and provide a reference for competition.