The Study Of Commercial Bank's Virtual Business Through Network And Outsourcing

Nowadays, "The virtual business" is being paid attention by more and more people. At every turn, we can hear this word from people's conversation. "The virtual business " is the management patterns which one kind of adaption changes constantly in the 21st century, It takes the knowledge economy as the carrier, Organizes and manifests the production by the intelligence of contract and the intelligence of technology,Through the conformity of exterior resources, to realizes enterprise's fast growth .In this way, it has the characteristic in flexibility, decentralization and the personalization. For adapts the whole world economic integration and the financial globalization tendency, According to financial product characteristic, The virtual business also should hold the small space in the special enterprise's management pattern of the commercial bank .This article altogether divides into five chapters: First chapter is the introduction, introduced the paper's content, the idea of the writing and the researching technique. Through researching the virtual business in domestic and foreign, the network bank as well as the business process outsourcing of research situation, .which has expounded this article's correlation theories basis; Second chapter is a matting of this main article, briefly describe the content of the virtual business, And hypothesized elaborated two kind of patterns about the virtual business of the commercial bank through two concepts in space and function - networks bank and the business process outsourcing; Third chapter and the fourth chapter is the main content, the network bank, one kinds Of commercial bank. This by the brief introduction network bank's connotation, the network bank's basic management pattern, the network bank's characteristic obtains, afterwards ,I have discussed the economic theory and the risk which is based on the management of the network bank .I also briefly described the commercial bank in our country which had adopted the existent network management at present , combining the content upwards, to analyzes our country's commercial bank from the cost superiority and the efficiency superiority two aspects .Finally ,the paper aim at the risk in our country network bank's development in future and the existent situation; The second point of the commercial bank in virtual business– business process outsourcing. The analysis pattern in this chapter is equal to the above. First I make a brief introduction of the meaning and business option in business process outsourcing. There into the business option play an important part in commercial bank's business process outsourcing. Later, embarked from five economic theories, has established theories basic of the business process outsourcing, evenmore, it has analysed the operation risk existed in the commercial bank. In the last part, it has introduce the real situation in our country, one is real situation of the business process outsourcing in commercial banks; The second was depends on all the above information to discuss our country commercial bank's advantage in business process outsourcing. The Last chapter is this article's ending, Which is considering the risk of being analysed above, to proposed several sketchy suggestions that adapt to our country though the two sections.