| Modern society has been come into the Internet-economy era, although traditional bank enterprises have not become "the dinosaurs to be perished" as the forecast by Bill·Gates, development of Internet-bank has been put a urgent place in the Internet-economy age. Modern information technology, especially Internet, has been provided a golden chance for the developing countries to develop Internet-finance characteristic of the Internet-bank and E-currency, and to upgrade core competence of their own finance industry. Internet-bank is result of finance evolution and technology evolution, and is an important innovation of bank organization. Now, research on the Internet-finance has been become a focus. From the practice of the domestic Internet-bank, lack of rational scheme, knowledge property right, and low-level service have placed a big stone in the way of development of domestic Internet-bank. At the same time, lack of the thorough research on the Internet-finance theory and analysis of the prospect of Internet-bank is the obstacle of sustainable development of domestic Internet-bank. From traditional bank to Internet-bank, this paper analyzes mostly basic theory, payment system and risk of Internet-bank; and, brings forwards some elementary suggestion of development and supervision of Internet-bank. This paper can be divided into four chapters. Chapter 1 is summarization of the Internet-bank. In this chapter, at first, I,author,analyze the meanings, operation-mode and services of Internet-bank, and, summarize the sameness and differences between traditional bank and Internet-bank. Then, I bring forward three advantages of the Internet-bank. At the end of this chapter, I review the development of Internet-bank in the developed countries, and, introduce the development of domestic Internet-bank particularly. By the summarization of the Internet-bank, I draw a conclusion that now there is no Internet Only Banking in our country and domestic Internet-bank is in the elementary phase of the development of Internet-finance. Chapter 2 is the theory base of Internet-bank. Internet-bank has been brought some paradox: on one hand, the gain created by the Internet-bank can not satisfy its owner; on the other hand, the magnitude of Internet is expanding and Internet-bank is the trend of development of traditional bank organization. The paradox indicates that only the commercial reasons can not explain the existence and development of Internet-bank. Firstly, I analyze the reason of existence of modern bank by the point of view of information-economics: Modern bank has information advantages, consequently, it can avoid adverse selection and moral hazard effectually. Then, I explain the paradox by those three theories: externality, marginal utility and value chain. In this way, the basic economic theories of Internet-bank have been built up. Chapter 3 analyzes the payment system of Internet-bank. Internet-bank is E-commerce of bank organization itself and payment system is the core system of Internet-bank. The development of electronic payment system has experienced the course from the payment system based on appropriative network to the payment system based on E-commerce. In this chapter, firstly, I introduce the notion of payment and payment system generally, the structure of payment system and CNAPS, summarize the characteristic of the payment system based on appropriative network in our country now. Then, I analyze the typical participator of E-trade, summarizes the sameness and differences of the payment-protocol between SSL and SET. E-currency is the emphases of this chapter. E-currency is one of themost important payment tools of E-trade and it is the foundation of the Internet-finance. Bank-card, E-cheque and E-cash are three types of the E-currency. Bank-card and E-cheque are the elementary E-currency and E-cash is a type of inside E-currency. The development of domestic E-currency is characteristic of Bank-card and "Golden-card Project" has been accelerated the development of domestic Internet-finance. E-ca... |
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