Along with our country Joins WTO, the domestic finance market integrates with international finance market, Chinese banking industry development entered a brand-new stage。Facing the new situation and challenge, internal commerce bank carries out financial innovation positively, enhances the market competition strength, adapts to the economical financial environment change. Especially the on-line bank’s growing, makes the financial service informationization.
This thesis has first briefly outlined the present situation of financial service in our country’s electronic commerce, and then introduced the application of electronic commerce in the financial innovation. The thesis takes Merchants Bank’s ' multifunctional network ' for example, take the automobile profession buyer pays interests and the solution of on-line domestic letter of credit in electronic commerce wholesale trading as the model successful case for analysis, has indicated the success experience of Merchants Bank at the on-line bank, finally it proposes the innovation of advancing our country’s commercial bank on-line bank positively.
【Key words】E-commerce “Multifunctional network” The Finance Innovation