Problems And Solutions In China's Commercial Banks E-banking Development Ideas

Since 1990s', with the application and popularization of modern internet technology in the banking business, the bank's service efficiency and function has been greatly improved, and the tendency of financial globalization and generalization has been enhanced. As a result, the banking has stepped into a new historical phase--- E-banking Phase. The innovation of E-banking adapts to the development of information technology, internet and global e-business and meets the needs for banking innovation and competition.Between 1980s' and 1990s', main western commercial bank has finished the building of financial system through computer and network and has realized the standardization, modernization and office automatization of business performance. E-business, such as ATM, POS and phone-banking has been pushed forward. Although the development of e-banking business in our country is slower than that in developed countries, we till have improved a lot in recent years. Focusing on some problems appearing in the development of e-banking business and using some theories and methods, e.g. the management of commercial banks, marketing and financial analysis, the paper brings forward some ideas for the development of e-banking in Chinese commercial banks with the hope that the ideas may do some help to the development of this new business in Chinese commercial banks and may enlighten other people on this subject.There are four chapters in the paper.Chapter I: First, the reason and background for the rising of e-banking business; Secondly, the main e-banking business, the conceptions and features about internet-banking and phone-banking; Thirdly, the development of western commercial banks and the presentsituation of commercial banks in China.Chapter II:Starting with the effect of e-banking upon the traditional banking, Chapter II claims that banks should make full use of e-banking to realize the network adjustment and promote the functional conversion of that network. Moreover, it suggests the strategy about the collateral development of traditional banking and e-banking: the development of e-banking depends on the network, the customer resources and the information of traditional banking; meantime, e-banking could bring along the continuous development of traditional banking. Upon the simple analysis of the cost-benefit of e-banking, Chapter III discusses the cost-control advantages of e-banking and the benefits that brought by these advantages. Moreover, it discusses how to choose the reasonable pricing strategy for e-banking services which could strengthen not only the earning power, but also the competitiveness of commercial banks. Further, this chapter gives solutions on the security of e-banking transaction and how to strengthen the customers' confidence.Chapter IV discusses the problems about the management of e-banking business: (i) how to choose the operation pattern and how to fix the internal organization pattern of a bank, which will provide important guarantee for the development of e-banking. (ii) how to establish a reasonable merit system that will promote the continuous development of e-banking business. Moreover, this chapter also puts forward the concrete methods for the customer marketing of e-banking and solutions on how to increase the benefit of e-banking.