The International Development And The Countermeasures Of Internet Banking

AsInternetcomesintobeingandcomputersarepopularized , banking industry has entered a new age———Network Bank era. Network bank on one hand has raised the banking economic efficiency decreased the banking operation cost ~. and offered convenience to its customers with a new full—services (3A) , its growth has become the development trend of banks in 2lth century; on the other hand ,the emergence of network bank not only has brought about historical innovation to and great impact on the traditional banking industry, but also caused some troublesome problems , esp. some problems that the developing countries like China in the construction and development of network bank are facing, such as :network bank security, law regulation, supervision and administration, shortage of qualified scientists and technicians, weakness of infrastructures ,and lack of experiences etc. Analysis and study of these issues are of certain theoretical significance and realistic value, which is also the concerns or focus of this paper .The paper consists of three chapters:Chapter one The international development tendency of the network banking industryThis chapter from the several stages that the network banking experienced in development , the difference between the network bank and traditional bank in their service features .. service styles ~ services products and service advantages etc., respectively states that network bank has become the inexorable trend of the development of international finance in 2lth century.Chapter two The motives and effects of the development of network bankThis chapter firstly from the aspects of technology economics~ customers and operation circumstance etc simply analyzes the motives of the development of network bank; secondly analyzes in details the great2impact of network bank on the operation philosophy, operation model. industry structure operation mechanism and central bank and international finance.Chapter three the development of network banking business in China This chapter , through the analysis of the current situation.background circumstances of the development of network banking industry in China, analyzes the several aspects of problems such as security. qualified scientists and technicians and law regulation etc. existed in the process of construction and development of network bank in our country ,and put forward some workable strategic solutions to these problems.