| Nowadays,with the rapidly develeping technolegy and the rapid economic development,Internet is throughout millions of households.A new business model "e"based on computer network appears in people's lives, In the economic field,online banking and online financial services develop rapidly accompanying.The online banking of China's commercial banks for its conveniencetimely, efficient and other advantages to attract more and more customers.Peple can complete online payment, online transfers and other services in homes meeting the modern fast-paced way of life.However, the current development status of online banking also restricts the online banking business even the banking sector because of problems being,thereby affecting China's banking industry in international competition ability. Therefore, this article study China's commercial banks online banking development, problems and corresponding solutions, with a view to the development of China's banking industry and other aspects of online banking help.This article study the basic theory of online banking,according the content of online banking, development status, as well as the gap with foreign banks,the last, make faster and better strategies about online banking to further develop and recommendations.This paper is divided into six parts:ChapterⅠis Introduction. This study focuses on the value and significance, and the contents of this literature review.ChapterⅡis the overview about the theory of commercial bankings'online banking. First,state the concept,feature and development advantages of online banking.Second, Excavated deeper level theoretical basis from the development of online banking. These theoretical basis according economies of scale and marginal costs,the application on the scale of development about the online banking and the analysis and application of five forces model of competition in the online banking environment. Chapter III is about China's commercial banks'development of online banking. Consists of two parts,first,the development of China's commercial banks'online banking;second,the promoting functiong of the development of E-commerce.ChapterⅣis about the experience can be learnen from foreign banks'online banking.According to the development of foreign banks'online banking, analyze the situationg of China's commercial banks'online banking, in order to analyze the problems below and better learn from the successful experience of other banks.Chapter V is about the problems of online banking of China's commercial banking. This chapter is a core part of this article. Through the above analysis of four chapters related content,shows that there are problems in safety, security, technology, service and other aspects of China's commercial banks online banking business. Analyze these issues, in order to pave the way for the corresponding countermeasures and suggestions puted forward in Chapter VI.Chapter VI is about strategies and recommendations about the business development of China's commercial banks'online banking. Questions for ChapterⅤ,this chapter in combination with the features and advantages of other types of the Bank's development, propose recommendations and strategies that establish a good internal control system, intensify propaganda,increase confidence of consumer,develop information technology and finance professionals,improve the "customer" centric service philosophy, etc.It concludes that China's commercial banks develop online banking,expanding banking business,and improve the competitiveness of banks are effective means.In the development process of Internet banking,we should raise awareness of innovation, continue to expand their business content, focus on risk control, improve service quality,ncrease the technical and professional investment.This research and innovation is:first, explain new contentand he new situation ofonline banking on the stage,for example,donation online banking,expenditure of social security funds,ayment of dues,universities no cash settlement and so on. Still include the "super online banking" technology just this year.Second, elaborate and analyze the influence that online banking's Website features to the attitude accepted by user.If the users think the Web Design easy of use, can be trusted and security, they will feel stable, This approach will help to improve the loyalty of customers.Third, elaborate the technology of foreign banks, Identify the gaps between each other. For the technical feasibility,we can bring and use for our nation. |
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