E-commerce is an important part of national economy and social informatization. Developing e-commerce is an important measure to promote industrialization by informationization, change the mode of economic growth, improve the quality and efficiency of national economy and take a new road of industrialization, which is of great significance to realize the grand goal of building a well-off society in an all-round way. In recent years, with the development and popularization of information technology, China's e-commerce is developing rapidly, and its application has achieved initial results, which has promoted the development of national economy. The relationship between e-commerce and daily life is getting closer and closer, and it is of great importance to today's society. E-commerce will change the way of business activities. Enterprises can contact customers to pay settlement services through the network, and the government can also conduct electronic bidding and government procurement conveniently. E-commerce is the combination of the whole process of people's business activities and electronic communication means, which greatly improves the efficiency of business activities and reduces unnecessary intermediate links. E-commerce will bring a new financial industry. Because online electronic payment is the key link of e-commerce and the basic condition for the smooth development of e-commerce, online banking, bank card payment network, bank electronic payment system, electronic check and electronic cash service have entered a new field as e-commerce breaks through electronic transactions.