Research On Innovation Of Operation Of The Banking Under The Environment Of The Network

Since 1978, the reform in banking system in our country goes through three stages, begin from breaking the old system of bank and realizing the diversification, the reform recommend competition to realize business management pluralism, realize policy of specialized bank business separated from commercial business, there is obvious improvement in the management level of the state-run commercial bank. But, at the same time, the banks, especially four major solely state-owned commercial banks have been adopting basically a kind of extensive operation in our country. Namely every commercial bank mainly depends on increasing fund invent, realizes one's own development through building more factories and setting up branch banks. Their attempt to obtain the long-term market competition advantage, this is a kind of operation of high investment, high consumption, low output, low quality. Its come have their objective necessity; and it obtain certain income in business too. However, with the market economic system constant perfection and deepening of the reform in banking system in our country, limitations of adopting extensive type of operation for a long time reveal out gradually, such as paying attention to the expansion of quantity ignoring the improvement of the quality, the business scope is narrow, the business is single in variety, many administrative structure and personnel on the low side quality, high cost of the operating obviously even reduces losing profit, huge non-performing loan and non-performing assets , information-based level can not catch up the development in science and technology of ,etc., these limitations and questions cause the decline period of the banking at present finally. According to external environment condition of the bank, new technical revolution especially development of the network technology influence the type of operation of traditional banking directly. Since 1990s, as capital market of China Mainland grows up day by day, the proportion of direct financing was improved constantly, the traditional banking has more and more experienced the extrusion of "tuomei" of the bank. After China joins WTO, the external financial institution enters the domestic capital market, they rely on rich strength, abundant financial market experience and ripe innovative products, capture the inland banking and financial market, form the strong competition pressure to the domestic banking. In a word, the banking of our country is in the predicament of the domestic trouble and foreign invasion at present, in order to break away from above-mentioned predicaments, we must seek the way of innovation of the banking in order to emerge again.So, the purpose of this paper is to seek a way to reemerge, clearly points out innovation of finance, especially transitions of type of operation is inevitable choice. The innovation of the type of operation has already started and influenced the innovation of the monetary system directly in practical application, but it affect by factors of various fields at present, Author research the innovation of operation of banking under the environment of network, concretely research on bank of network to promote and propagate actively innovation, which have certain theory meaning and actual using value. This paper researches on the type of operation of the banking, reason and meaning, mode of operation, banking innovates under the environment of the network, network banking realization and problems of operation innovate and how to solve problem under the environment by vertical and horizontal comparative analytical method and method of the combination of theory and practice. According to this research, author draw a conclusion: it is imperative that the innovation of of type of operation. It is possible that our country banking healthily, effectively and fast develop by innovative idea be carried out conscientiously.In the course of studying, author proposes mainly the following several points:(1) Summarize the knowledge of the scholar and expert and redefines the ty...