Analysis Of Environment Of Online Banking Development In Shaanxi Province

With the development of information technology and economic level. Online bankinggrow more and more fast. Online banking play a important role in promoting the developmentof finance and local economic. In domestic, the competition between banks become morefierce. The development of online banking can bring positive externalities, help eliminateinformation asymmetry, produce economies of scale, and at the same time it will promote theregional financial and economic development.Shaanxi province is located in the western region in China. Restricted by geographicalfactors and economic factors, Online banking development degree is still in the low leveldomestic. In other side we can see it have a brighter future. The development of onlinebanking need by the development environment, at the same time, the development of onlinebanking will promote regional economic and finance. So analysis of the development ofShaanxi province and find out the different between cities, then give same suggestion by theresults. It can give same thought for others.This paper stand on scholars’ results, use PCA(Principal component analysis) andClustering analysis to analysis Shaanxi online banking development environment. And ourresult is that the development of online banking environment in Shaanxi Province has a hugedifference, Xi’an thriving in the province, online banking development indicators in theprovince for leading the development of Internet banking environment in Shaanxi Province isdifferent from the other parts of the province. Yulin’s online banking developmentenvironment is unique, due to the fact that Yulin is a resource-based industrial city. In recentyears, it grow fast. Yangling is an agricultural demonstration area, the development of Internetbanking environment is also special. In addition, the environment of Internet banking inBaoji, Yan’an, Weinan, Xianyang are similar in a certain degree. Between them Baoji, Yan’an,Weinan, Xianyang online banking environment are relatively closer together. Also found thatindustrial output, inter user number educational degree during people play a greater impact onthe development of online banking in Shaanxi Province. Though Shaanxi is a big educationprovince, it also have big gap between cities, it due to Xi’an’s big attractive.Finally based on the analysis results, Pertinent Suggestions are put forward Thedevelopment of Internet banking should be carried out for each region of regional specialties online banking services, resources industrial city of Yulin, emphasize on increasing thepopularity of their corporate online banking: for Yangling environment, should be vigorouslydevelopment of their personal online banking, creatively spread online banking knowledge, aswell as to carry out innovative farmers popularity of online banking, and strive to be aagricultural online banking pilot: For southern Shaanxi region should steadily promote thedevelopment of Internet banking, to strengthen the cooperation between Electronic Business,slowly expanding the penetration of online banking, to improve the financial environment...