The e-commerce industry has brought convenience, fundamentally realizing a mode of life in which purchases can be made without leaving home. Civil and commercial law is an effective guarantee to ensure that the rights and interests of buyers and sellers are not infringed so that the whole transaction process of buying and selling has clear rights and responsibilities and improves the e-commerce market. The article uses a discrete regression model to innovate the development path of e-commerce and commercial and civil law through four stages: analysis of influencing factors of e-commerce development under civil, and commercial law, hierarchical clustering analysis of e-commerce data, prediction of rights and interests of buyers and sellers in the e-commerce industry, and generation of development path integrated into civil, commercial law. An apparel department store enterprise is used as the research object to test the practical effect of the innovative development path. The adjusted goodness-of-fit coefficient of the civil and commercial law factors is 0.932, and the Pearson correlation coefficient is 0.954, which has the greatest influence on this e-commerce enterprise. The cumulative turnover in the recent year was as high as $11210142, and the realized revenue was $2045277. The turnover growth rate in the second quarter reached 251 percentage points. This is sufficient to show that the innovative research on the development path can innovate e-commerce by integrating civil and commercial law and make the e-commerce industry develop in a better direction.