| Since 1990,Internet has been growing up quickly, which brings great influence on human beings. It not only changed people's idea and life style, but also brought grim challenges to traditional economic form. As the integrated product of Internet technology and Banking business, Network bank compared with traditional bank has more advantages, which represents the future of banking.Security First Network Bank (SFNB) was the forerunner of the Network bank practicing. Thereafter the wind of developing Network bank is quietly sweeping all over the world. As a new force, Network bank suddenly rises, which changed the managing and competing mode of traditional banking business. Network bank, bringing international finance into a reassembling Era, certainly will bring far-reaching effect on international finance. At the same time, Network bank brought some new problem. As a developing tendency of international banking business, Network bank deserves our lucubration and analyses. Through several years' development, the Network bank of China has made some achievements, which effectively supported the reforming and developing of Chinese finance. Simultaneously there were some problems, which cannot be overlooked, waiting to be solved. This paper mostly analyses the problem in developing Network bank of China. On how to solve this problem, I bring forward my own views and countermeasures against it.This paper consists of two parts, namely the foreword and the text. The foreword briefly illustrates the significance of this disquisition, the theory instrument and analytical procedure as well as the basic clue and logical structure in writing; the text can be divided into four chapters with fifteen sections.The first chapter proves the necessity and pressure of developing Network bank in China. Firstly, Internet changed the existing mode of traditional banking business, which mainly discusses the changes in the three aspects that include power swerve, price destroy and new market coming forth, being resulted in by Internet to traditional banking business. Then, the author illustrates the advantages of Network bank compared with traditional bank. Network bank can reduce the transaction cost of bank. Furthermore it offers finance service with three characteristics (Anytime, Anywhere, Anyway), which make the service of Network bank possessing more pertinence and the milk of human kindness. All those take the fancy of more and more clients for Network bank. Of course it has many other advantages. Here the author is not ready to expatiate one by one. At last, since China will soon enter WTO, the banking business of China will be confronted with the challenges from overseas Network bank. In order to survive and develop, the banking business of China must regard developing Network bank as the stratagem of the 21st century.The second chapter primarily analyzes the actuality of Network bank in developed countries. In this chapter the author firstly discusses some successful overseas Network banks. And then I induce the successful causes, which include leading consciousness, favorable business environment, and perfect society credit mechanism etc. Thirdly, as an up-to-the-minute product in the development of financial information, Network bank has two developing patterns. One is interior developing pattern. The other is exterior developing pattern. The former is a sort of financial innovation. The latter is a sort of finance differentiation. For the moment practice proves that the interior developing pattern is better than the exterior developing pattern. But this does not mean the latter is nothing. This is because the conventional pattern is casehardened but the latter is developing. It is difficult to estimate who is the unborn mainstream. Finally, the author points out that there still are some perplexing problems that need to be solved, such as the imbalance of input and output, network security, law and code, how to keep away from the risk of Network bank, how to manage and supervise Network bank.In the thi... |
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