Study On The Development Model And The Economic Benefit Of Commercial Bank In Electronic Banking Business

With the development of social information, bank, which is the main part of the finance economy and the capital operation, inevitably will become the main force in information process. The development of electronic banking business in china has been over15years since1997when China Merchants Bank introduced "all in one net" self-service electronic banking business. During this15years, electronic business has started from scratch, and has developed from simple to complex, from the edge to the core, forming a electronic channel network which covers the whole financial transaction system. Electronic business has become a important field where every bank wants to have a seat.From the explanation of electronic banking business which is put forward by the People’s Bank of China and China Banking Regulatory Commission, electronic banking business in china mainly includes internet banking, mobile banking, telephone banking and self-banking. Among these, internet banking and self-banking(ATM) have been in the first place to develop in our country and become comparatively mature.This thesis analyzes the development model and the economic benefit of each electronic banking business of commercial bank in Chou Zhou, Zhe Jiang province. By comparing the development model and the economic benefit of the four main electronic businesses, this thesis mainly studies the market proportion of each electronic business and further analyzes it to come to the developing and achieving regular pattern, giving suggestions on electronic banking business which focuses on creative service and channel value improving. It is found that electronic business has positive functions on both the scale of capital and the achievement of management of the commercial bank in Chou Zhou. The development of business of the commercial bank in Chou Zhou is above average among all commercial banks, which means it has a driving impact on achievement of the industry. Among the electronic banking business, the internet banking develops well with outstanding achievement on saving cost and grasping customers; the development of telephone banking is slow because the business is new and customers are not too many. This thesis also studies the shortcomings of electronic banking business of the commercial bank in Chou Zhou, including:the verity of service is single; the platform is diversify well the functions are not rich; the development of electronic banking business is still in the low-benefit but high-cost stage; the whole achievement of electronic banking business cannot be reflected through data or profit, and even indirect benefits may much more than the direct benefit.