An e-commerce system and a method for realizing spot transaction of commodity. The present invention includes user-level apparatus, transmission level apparatus, the access level apparatus and service level apparatus, wherein the user level apparatus includes a user end device, a storage unit and a bank unit; the transmission level apparatus includes the Internet and a private network; the access level apparatus includes a user interface unit, an information query release interface unit, a storage interface unit, a bank interface unit, and an information query interface unit; the service level apparatus includes a common data channel unit, a transaction server, a settlement server, an information management server, a data settlement server, a server sequence controller and a data server. The server sequence controller of the present invention controls the transaction server, the settlement server and the data settlement server, which forms a specific working sequence period, realizes spot transaction of commodity and daily delivery in kind, and enables the real function of spot trading of commodity via an e-commerce system.