A Discussion Of The Strategies Of Developing Internet Banking In China In The New Situation

As the network technology keeps developing rapidly and market competition grows more and more fierce, both the internal and external environments of China banking industry has undergone tremendous changes and all domestic banks are confronted with unprecedented challenges and opportunities. This paper cites the theoretical knowledge concerning modern economy, proceeds from the internal and external competitive environments the domestic banking industry is faced with so as to elaborate the necessity of developing Internet banking. In addition, it also studies the present development situation of the domestic internet banking, analyzes the existing problems and initiates the corresponding solutions.Since the first Internet bank came into being in America in 1996, this new type of banking service has been accepted by more and more customers. At present, the domestic Internet banking keeps expanding its scale, increasing the number of customers, perfecting its business management. As a result, it has grown into an important means of diverting banks'counter business and extending service terminals. However, under the existing development mode of"cement plus mouse", most domestic banks only regard internet banking as a necessary supplement to the traditional service channel, and haven't yet made great breakthroughs in concept of business development, organizational setup, business innovation and popularization, customer relation maintenance, etc. therefore they cannot meet the ever-increasing customer demand.As its business scale keeps expanding, Internet banking is sure to become the mainstream of future banking service channel. The application of network technology in the Internet banking business will become an important drive behind the complete...