Evaluation Of E-banking Development Level

At present, China’s major commercial banks are making great efforts to the development of electronic banking, how to objectively evaluate the level of development of domestic commercial banks electronic banking as a new research topic. Evaluation of the level of development of electronic banking for commercial banks, including two goals, to establish the level of commercial banks in the development of e-banking evaluation index system, to establish a set of comprehensive scientific and operational evaluation, otherwise it is difficult to determine the homogeneity of strong the difference of the electronic banking:how the evaluation system to measure the level of development of the commercial banks electronic banking, that measure out behavioral outcomes, the basic approach is to establish a rational evaluation model to select the effective evaluation method. This article will address the above issues to do some preliminary exploration, the commercial banks to be able to understand the advantages and disadvantages of the development of their own electronic banking, so that the majority of customers to choose their own electronic banking products.This paper first discusses the basis of the level of development of the commercial banks electronic banking theory, through the introduction of relevant concepts, features and advantages of the electronic banking analysis, the definition of the level of development of e-banking, as well as a theoretical analysis of the commercial banking channels, summed up the National Commercial Bank electronic banking the development of the general situation. Next for the analysis of this development, through the analysis, the analysis leads to the development of ideas, e-banking development level of the three categories of factors:environmental factors, resource factors, capacity factors. Then by the factor analysis, combined with previous studies, the core competitiveness, the result of the level of information, initially established by the four-level indicators, twenty two indicators, evaluation index system. By weight analysis, expert empower initially set up the evaluation of the level of development of China’s commercial banks electronic banking index formula. Finally, through a comparative analysis of the two commercial banks e-banking development level to obtain the index score and total score of the two commercial banks, two banks gain and loss on the construction of electronic banking.In this study, the innovation is mainly reflected in the following two aspects: First, the research for the evaluation of the level of development of e-banking, or only limited to a certain angle, or more dispersed, the lack of a system study of the phenomenon, this article will study focused on evaluation of the level of development of electronic banking up, initially established a scientific and operational Commercial Bank of China electronic banking level evaluation system and the computational model. Index selection, first through factor analysis, the preliminary draw three types of factors that affect the development of e-banking, followed by decomposition factors, specific factors. Combined with previous research competitiveness of commercial banks and the level of development of the enterprise information has the experience, the conclusion of the comprehensive factors screening and determination of indicators, to ensure that the index selection and accuracy.