As the Internet continues to develop rapidly，the applications of e-commerce extend to an ever wider range. Yet，in the smaller scale supply chain system，small-and-medium enterprises (SMEs) are limited by talents，funds，techniques，etc，and feel insecure in regard to online fraud cases. These shortcomings comprise the major obstacles for SMEs fully participating in e-commerce. The transactions of raw materials and merchandise usually involve a huge amount of money. If one side of the buyer/seller relationship violates the contract or causes a dispute，it could entail a substantial loss of funds，flow failure and low efficiency. This study aimed to provide SMEs with an e-commerce platform through the unique role played by banks in regard to financial intermediation and fund saving，so as to help SMEs to develop a safe，fast and fair environment for capital flow as well as transparent data. We confirmed the relevant problems through a literature review and conducted surveys on suppliers and purchasers. With the help of Analytical Hierarchy Process (AHP) analysis，we determined the most valuable factor for companies engaging in e-commerce，proposed solutions and provided plans for the banking industry concerning an appropriate e-commerce platform.
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