电商与银行合作的原因是多方面的。首先，电商需要银行提供的支付解决方案来处理大量的交易和保证资金的安全。通过与银行的合作，电商可以提供更快速、更便捷的支付方式，提高用户体验和满意度。此外，银行还可以提供风险管理、反欺诈等方面的支持，帮助电商降低风险和损失。

其次，电商与银行的合作可以促进双方的共赢。银行可以通过电商平台的交易数据和用户信息，了解消费者的购买习惯和需求，从而更好地为用户提供定制化的金融产品和服务。同时，银行也可以利用电商平台的流量和用户资源，扩大自己的业务范围和客户基础。

此外，电商与银行的合作还有助于推动整个电子商务生态系统的健康发展。通过合作，双方可以共同制定行业标准和规范，推动整个行业的健康发展。同时，双方还可以共同打击网络犯罪和保护消费者权益，营造良好的电子商务环境。

总的来说，电商与银行的合作是一种双赢的关系。通过合作，双方可以共同推动电子商务的发展和繁荣，为用户提供更好的服务和体验。英文版：

Why do e-commerce platforms collaborate with banks?

The reasons for e-commerce platforms to collaborate with banks are numerous. Firstly, e-commerce platforms require payment solutions from banks to handle the large volume of transactions and ensure the security of funds. By collaborating with banks, e-commerce platforms can provide faster and more convenient payment methods, enhancing the user experience and satisfaction. Additionally, banks can provide support in risk management and anti-fraud measures, helping e-commerce platforms reduce risks and losses.

Secondly, the collaboration between e-commerce platforms and banks can promote mutual benefits. Banks can learn about consumers' purchasing habits and needs through transaction data and user information from e-commerce platforms, enabling them to better customize financial products and services for users. Meanwhile, banks can also leverage the traffic and user resources of e-commerce platforms to expand their business scope and customer base.

Moreover, the collaboration between e-commerce platforms and banks also helps to promote the healthy development of the entire e-commerce ecosystem. Through collaboration, both parties can jointly develop industry standards and norms, promoting the healthy development of the entire industry. At the same time, both parties can also jointly combat cybercrime and protect consumer rights, creating a favorable e-commerce environment.

In summary, the collaboration between e-commerce platforms and banks is a win-win relationship. Through collaboration, both parties can jointly promote the development and prosperity of e-commerce, providing better services and experiences for users.