China Online Banking Study

With the development of global network economy and information technology, the reform of management model and ideal conception is rising in the world. Due to the diffusing of the banking management in network economy and its effect in financial service business, the financial innovation in service organization structure and service offering form is getting the great promotion. It also achieves the network bank.The common uses of network bank in opening internet environment made three results: first, it pushed the electronic commerce developing rapidly; second, it speeded the form of network economy; third, it effected the development of the finance and economy directly. The following disquisition will state and research these programs in details.In my description, I firstly explain the concept of network bank, the relation between electronic commerce and banking industry individually. Later, from currency finance and economics point of view, it comments the network bank on influence on the institutional variance in commercial bank, and expounds the theory of externality and scale economy of network bank, the theory and strategy of purchase money in service, the theory of competitive advantage. By the information collection, I present the development status of domestic and international network bank. Objectively analyze the problem of network bank, for example, incomplete code, backward technology, credit risks, management operation and network safety risks, attempt to find a solution against the problems above. Finally, I sum up the determinant in network bank developing in our country, and describe the better future.