Our Online Banking And Development

With the development of computer and network technology, world economic is becoming global and international. In the internet economy era, the emergence of the E-Commerce and E-Bank has brought tremendous changes on the conventional modes and ideas of business administration. In our country, the development of E-Bank is just starting on and has made immense impact on the traditional commercial banks. There is no time to delay to learn and to develop our E-Bank. By reading matierial, visiting home-pages and investigating on customs, the author of this article studies on the situation of E-Bank in China, analyzes its issues and restrictive factors, prompts the developing strategies of E-Bank. The article is divided into four chapters.In the first chapter, the article describes the concept and the types of E-Bank, states the background of its appearance and the relationship between E-Commerce and E-Bank. E-Bank is a virtual counter on Internet, and there are two types of E-Bank: pure E-Bank and tradination bank-related E-Bank. It is showed that E-Bank is not only the outcome but also the necessary condition of the development of E-Commerce. Through the introduction of the application of E-Bank in its cradleland, the article tries hard to give readers the comprehensive view of the E-Bank. Then, by contrasting the characteristics of E-Bank with that of the traditional bank, the article analyzes the probability and the pressure of the development of E-Bank in China. The second chapter focuses on setting forth the situation of E-Bank in China. After giving the brief history of the development of E-Bank in our country, the chapter introduces the variety of Chinese E-bank, which includes information issuance, retailing banking, wholesale banking and on-line payment. This chapter emphasizes on presenting "all-in-one net" of China Merchants Bank. Then by comparing it with E-Bank of Bank of China and China Construction Bank, the article gives a clear image of Chinese E-Bank. The third chapter analyzes the problems and restrictive factors of the development of our E-Bank. The problems inside the E-Bank include scarcity of kinds, singleness of service mode and little attraction to customs etc. The security problem of the online deal is serious since there are no potent measures of technology and management to ensure the safety of the deal and there are no available laws and statutes on E-Bank. Meanwhile the inconsequential financial supervision on E-Bank restricts its development. There are another obstructive factors such as the public's low cognitive level, the behindhand facilities of network and bad commercial environment of E-Commerce and irrational management and operation system of information industry.The last chapter probes into the strategies on development of our E-Bank. Aiming at the problems put forward in the third chapter, this chapter advances the schemes to resolve our E-Bank issues. At first, we should develop almighty E-Bank which offers customs with individual and high quality service to attract them. Secondly, to resolve the security problems, government and banks should work together to set up advanced and unimpeachable security system, build the commercial center of custom authority (CA) as soon as possible, establish a set of security management system. Thirdly, by trains and education we will improve the public aptitude and the banks level on application of network. Fourthly, network facility and modern system must be set up to build the support environment of E-commerce. Other schemes consist that we should cultivate persons with financial ability and form step by step the laws and statues adept to the situation of our country. At the end of the article, the prospect in the development of our E-Bank is given. With the progress of the independent functions and foundation of the consummate settlement system, the E-Bank will make more and more important effect on financial innovation.