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The Development,Problem And Measures Of Internet Banking In China

Posted on:2007-07-06Degree:MasterType:Thesis
Country:ChinaCandidate:M XueFull Text:PDF
GTID:2179360182499206Subject:Political economy
Abstract/Summary:PDF Full Text Request
As early as the 1960s, America and Japan and other developed countries have already begun to construct the electrified bank and brought the fruit of computer---the new technology---into the banking industry. After decades of development, inner-bank, inter-bank and even transnational banking management information system network have been formed, establishing the open, comprehensive and any-time electrified bank. Compared with the developed industrial countries, the development of electrified bank started rather late, but recently bank electrified construction in some large and medium cities has reached the level of developed countries. The constant improvement and development of bank electrification provides better condition for the building of Internet Banking which is the newest banking service form and also the hot topic of the development of domestic commercial bank in recent years.Seen from the bank development strategy, our country's Internet Banking not only increases the customer service channels or provides bank products based on the internet technology for banks, and not the least means the simple electrification for the traditional commercial bank. The real significance of Internet Banking to the traditional commercial bank is: the re-choice of strategic positioning, the organization frame reconstruction, and the remake of the operation procedure, the construction of creative business pattern, the relocation of the information resource of science and technology, the integration of business system resource and the construction of product service system. For the bank, Internet Banking is not a new channel, new product, and not the least a separate business, but the repositioning of the role of the traditional bank in future's information society and the remake of its social function.The global commercial banks have reached a consensus on that on-line business is the future developing trend of banking operation. However, the operation and management of Internet Banking still need to conform to the three principles of the commercial bank---"safety, profitability, liquidity", and on the basis of prudence, overall planning should be ensured; creative business range should be developed and business risk management and internal controlling should be strengthened.
Keywords/Search Tags:Internet Banking, risk, measures
PDF Full Text Request
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