On The Development Of The Internet Bank In China

With the development of Internet and information security technology, on-line bank has been a practicable banking operating style. This kind of new banking operating style processes the characters of less investment, more convenient, and more rapid. More and more banks are paying attention to it. With recent years, on-line bank has developed rapidly abroad. According to the forecast of American banking association, as to 2005, on-line banking service in U.S.A will process 75% of the whole banking service. Someone even forecasts that traditional bank will be "the dinosaur dying out".In China, many banks, such as China merchants bank, Bank of china, China construction bank, Industrial and Commercial Bank of China, China Communication Bank, have set out their own on-bank services. Shenzhen Development Bank has declared their developing plan, too.As to the development of on-line bank, there are two kinds of pointview. One is that on-line bank is the trend of the banking development in the future, traditional style banking business would be cut down even ceased. The other is that on-line bank is one kind of "bubble economic", and it would feel its way. This article consists of two parts. Part 1 is introduction of on-line bank. The main contents of this part are the description of on-line bank; the system of on-line bank; the function of on-line bank, and importance of developing on-line bank. Part 2 is on-line bank in China. The main contents of this part are 1.on-line bank business in China. 2. Analysis in on-line bank business in China. 3.Proposals on how on develop on-line bank in China. 4.Problems to be solved and measures to be taken in developing on-line bank in China.