Study On Issues And Strategies In The Development Of China's Online Bank

Currently, our country's researchs on online bank focus on the introduction of achievements in the development of abroad online bank or some technologies, little is done to carry out a systematic study on the developement of online bank business of our country's commercial banks. On the basis of analysizing the development situation of online bank in our country, this dissert discusses constraints in detail, and further, provides strategies and steps for the development of online bank in our country. The main work of this dissert are as follows:(1)starts from the basis theories on the birth and development of online bank, utilizes marginal effect theory, information economic theory, external theory and value chain theory, decrips the inevitability of the birth and development of online bank; (2)discusses the situation of online bank in our country, and from aspects of social credit environment, network infrastructures, consuming customs of customer and business category of online bank, analysizes and sumaries in detail the problems existing in the development of online bank in our country by using the method of Normative analysis; (3)reveals deep reasons facing online bank in our country; (4)in order to find some valuable things that we can use, compares the birth and development of online bank in our country with western countries; (5)under the consideration of reality of our country, this dissert sets forth related solutions and implementation steps from the construction of network infrastructure, traditional cosuming view, innovation of online business and social credit system.