Network Banking

With China's entering WTO, foreign banks have entered Chinese financial market with network bank business as their superiority. It is an urgent task for domestic banking to develop network bank. But how should domestic bank develop as a newly born baby? With the integration of theory with practice, the dissertation compares and analyses the operation and development of network bank. With quantitative and qualitative analysis in some chapters, by combining successful experiences of foreign network bank, the dissertation puts forward detailed suggestions and measures aimed at current problems and situation of the development of Chinese network bank.The dissertation firstly generally introduces the development of network bank all over the world and discusses the business and features of it, especially compares and analyses the difference between network bank and traditional bank. With principles of financial risk management, the dissertation specifically analyses the risks in the development of network bank and puts forward measures of risk management in the development of network bank directed against risk problems. The development of network bank relies on internet. But the development and popularity of internet in foreign countries is far better than that in China. So the development of domestic network bank cannot simply imitate the pattern of foreign network bank. After specifically analysing the problems in the development of network bank in China, comparing and analysing the development of network banks home and abroad, the dissertation suggests the measures of the development of network bank in China: Incumbent bank is the recommended pattern of the development of domestic network bank, the pattern that traditional bank offers network bank service besides its existing business. Special organs studying strategies of the development of network bank should be set up. Proportion of the business of network bank and traditional bank should be fixed according to current situation and developing targets of Chinese banking. The best resources disposition should be settled in the development of network bank with the comparison of its input and output. Short-term and long-term strategies of the development of network bank should bemade on the basis of the above to open up favorable prospect.