银行电商平台的市场地位已经开始显现,但相关立法步伐严重滞后,其合法地位、法律性质、规则体系、资质要求及管理机构等亟须明确随着业务模式的逐渐成熟和交易规模的急剧增加,电子商务行业已经成长为我国国民经济中的一支生力军。传统电商平台凭借其建立起来的客户群优势,在经营电商业务的同时,积极向支付、贷款、金融产品销售等金融服务领域拓展。而商业银行在电商行业 The market position of the bank’s e-commerce platform has begun to emerge, but the pace of the relevant legislation is seriously lagging behind. Its legal status, legal nature, regulatory system, qualification requirements and regulatory agencies need to be clearly defined as the business model matures and the transaction size dramatically increases , E-commerce industry has grown into a new force in the national economy of our country. The traditional e-commerce platform, with its established customer base advantage, actively expands into the financial services sector such as payment, loans and sales of financial products while operating e-commerce businesses. The commercial banks in the electricity supplier industry