2. Electronic payment online banking is only one of the financial services;
3. E-commerce companies carry out e-commerce activities. Some e-commerce companies have their own financial licenses, such as Alibaba and Taobao, which can do electronic payment and online banking related services themselves. Suning's bank has an account in Bank of Ningbo, and this year it will become the third e-commerce bank alongside Alipay and Bank of JD.COM.