中国网上银行的发展Accounting and Finance财务会计学

Domestic Development of Inter Ban

Accounting and Finance财务会计学

Domestic researches on inter ban国内对网上银行的研究

Along with the development of domestic inter ban, more and more people begin to pay close attention to the inter ban. 随着国内网络银行的发展，越来越多的人开始密切关注网上银行。In 2009 the east wealth website released the 2009 China inter baning survey report;, and it shows that, despite impacted by the global financial crisis, Chinese inter ban in general is still eeping up the development situation, especially personal inter ban business, 2009年，东财富网发布2009中国网上银行调查报告;表明，尽管受全球金融危机的影响，中国大部分网上银行仍然保持向上的发展态势，尤其是个人网上银行业务。In the past year, in vigorously promoting of the petent industrial department, various Bans, CFCA and related institutions, personal Inter baning maret increases inverse the trend, and performs a strong momentum of development. 在过去的一年里，在行业主管部门、各银行、CFCA和相关机构的大力推进下，个人网上银行市场增加逆流，并执行一个强劲的发展势头。The study also finds out that the inter ban development is still closely related with the overall development scale and strategies, especially offline business development strategy. From the regional features of distribution of inter ban, most national mercial Bans business of the inter ban has the feature that the ey areas focus on the development of strategies, including China merchants ban whose business development is outstanding. While Chinese four state-owned mercial bans whose offline business support ability is strong, their business of the inter ban in the national scope remain relatively evenly distribution. Although Inter users understand the main channel of the inter ban is the Inter, while the Inter baning services are still supported or restricted by the traditional offline wors, it still has not really realize inter services inter development; purpose.

Many people propose the improvement ments and suggestions to the current inter baning. ZhengYan (2009) in the research on the development and countermeasures of Chinese inter ban; mentions that wor security has to be the main factor that effect on our country's development of the inter ban. In the internal management, ris management still needs improvement. At present the inter ban security ris management strategy and various inds of guiding standards have not formed a system of ris management. Ris analysis model and method are not mature, quantitative analysis is not enough, lac of mature and systematical ris management process and method. In the information technology, financial wor security has hidden trouble. As to the wor is virtual, it requires higher strict firewall;, identity authentication, security system layer protocol, safety electronic trading standard and other measures, and in the authenticity of information, the legitimacy of the identity of the customers, the payment information integrity, the legitimacy of the inter transactions, are impossible to pletely eliminate the suspicions of people. Additionally, inter baning supervision system, wor trade legislation are not perfect. The relevant laws and regulations are relatively lag behind the fast development of inter ban. Those all lac maneuverability and guidance. In any dispute, the cognizance of the responsibility, or the execution of the arbitration results and other plex legal relationship are difficult to solve in the existing condition. In light with the existing problems in the development of inter ban, mercial Bans have to tae active measures to strengthen the channel management, further improve the incentive and restraint mechanism of inter ban, establish a sound ris management system of the inter ban, as well as to reserve and train financial talents for the inter ban, and perfect legal laws and regulations and ris supervision, to ensure that the inter ban can continuously, healthy and quic develop.

If the inter ban wants to further develop, it needs to develop new business varieties and the service contents, and to bine the traditional baning services and wor channel closely together, on the one hand, enrich the contents of inter ban, on the other hand also must stress the individuation of financial products. 如果网上银行想要进一步发展，就需要开发新的业务品种和服务内容，并且将传统的银行服务与网络通道紧密结合起来。一方面，丰富网上银行内容，另一方面还必须强调个性化的金融产品。The electronic business arising in the Inter age is the main development direction of the ban on the inter. To the customers, no matter traditional trading, or emerging e-merce, payments are the important part of the deal, the difference is, the electronic merce pays emphasis on process and the means of payment electronic. Whether effectively achieve the means of payment and the wor is the ey to success or failure for electronic trade, which relates directly to the electronic merce development prospects.

The inter ban creates the electronic currency and the advantaged inter payment function in e-merce, for the realization of the electronic payment provides strong support. As the final executives of electronic payment and settlement, the inter ban plays a connection role between the buyers and sellers, and the development of electronic merce and inter ban is interaction and mutual benefit, they are mutual influenced, the inter ban also brings huge business development space for e-business, so with the development of e-merce, the development of the inter ban also is an inevitable trend.

Commercial ban inter baning development in China中国网上商业银行的发展

The rapid growth of Inter users provides more potential users for the development of the ban on the inter. 互联网用户的快速增长为网络银行的发展提供了更多的潜在用户。Reviewing the domestic development history of inter ban, in 1997, the CMB all-in-one-card; opened an inter business, began to open the domestic prelude of inter ban, in the 1999 Agricultural Bans offered personal inter ban, in 2000 China ban launched its inter business on the Inter, in 2001, industry and merce ban drastically explored its inter maret development, to the date, almost every large domestic mercial Ban is offering its own inter baning or in the inter to set up its own home page and web site, and then emerges the famous brand websites and famous products. But at present China has not yet pletely dependent business pure virtual ban.

In domestic bans, China merchants ban executives give high attention to the future development of ban on the inter, 中国国内银行中，招商银行的高管对银行在互联网上的未来发展给予高度重视。 In the middle development strategies of inter ban, they put forward clearly that in the strategic guidance of scale priority and ban recreation, they mae sure the overall orientation that China merchants ban as a technology leadership ban;, especially to mae inter baning development bee the main channel for customer service, to the highest level of domestic baning, China merchants ban has bee China's inter baning maret guide. In 2021, China merchants inter ban turnover is more than 14 billion yuan, trading number is over 3300, inter ban users are more than 10 million, including 2.5 million professional edition users. to use its inter baning system, with lower operation cost, that more than 50% of the private business and 15% of the enterprise business realize the non-counter operation in China merchants ban. One year pleted business volume of inter personal ban is already close to the level of a regional big branch. The inter ban helps the China merchants ban to win the high value of the customers, and improve customer loyalty.

The industrial and mercial ban of China in 2000 put forward the goal of the inter ban development, 2000年中国工商银行提出了网上银行的发展目标，strive in the two years to mae inter ban in a business function, service varieties, open area, technical contents, etc. aspects to catch up with other domestic mercial Bans inter ban. 力争在两年内使工商银行的网上银行在业务功能、服务品种、开放面积、技术含量等方面赶上国内其他商业银行的网上银行In five years the inter baning of ICBC bee the best inter ban with the most famous national maximum visibility, the most extensive business scope, the richest financial products, the most convenient use, the highest technical level, the largest domestic maret rate, and the best benefit.; 在五年内，工商银行的网上银行将以最高的国内知名度、最广泛的业务范围、最丰富的金融产品、最便捷的服务、最高的技术水平、最大规模的国内市场利率、最好的效益成为最好的网上银行。