Comparative Study Over E-banking Of Commercial Banks Between China And Abroad

The banks launched a new round of innovation wave in1990s, this reform made ITgradually integrate into the daily operation and management activities of banks, whichproduced a huge impact on the model of management and services of the traditionalbanks, then electronic banking business was born. Electronic banking relies on thedevelopment of computer technology, considers network as media, to provide customerswith timely and comprehensive financial self-service, while significantly reducingoperating costs of banks. It not only created a huge profit space for the bank, but alsoaccelerated the innovation of financial business. So far, electronic banking has becomean effective channel for the commercial banks to change the development model andimprove the competitive strength. For commercial banks, it is also an inevitable choiceof business development. Therefore, through comparing the development of domesticand international electronic banking, drawing on its advanced experience, findingdeficiencies that exist in our own development process, thus propose appropriatemeasures for improvement, which will produce a profound significance to the futuredevelopment of electronic banking in China.This paper primarily introduces the concept, types and characteristics of electronicbanking, then makes a comparison between electronic banking and traditional banking,give a objective and rational definition of relationship of them in the new period. Underthe theory foundation, the author made a detailed introduction of the development ofdomestic and foreign commercial banks for electronic banking. It respectively carriedout a general description of four different basic businesses in various countries whenintroduced the development of electronic banking abroad, then draw the characteristicsof the development of electronic banking abroad. In addition, when analyzed thedevelopment of electronic banking business in China, the author selected severalcommercial banks as representatives and analyzed their development and related data,based on the introduction of development process and present situation of the variousbusiness. Then combined the reality, it reflects the characteristics and the existingproblems of the development of electronic banking business in China. At the same time,this paper conducted a regression analysis by using the electronic banking tradingvolume and rate of return on total assets of the7commercial banks, which selected asthe research samples, making an empirical test on the relationship between China’selectronic banking business and the performance of with commercial banks. It has been found that there is a positive correlation between the two. Then, combining thedevelopment of the relevant domestic and foreign electronic banking business forcomparative analysis, it is concluded that there is a certain gap between the electronicbank business of our country in the product function, service, marketing mechanism,talents training, risk control with abroad, then according to the revelations, it provideshelp for the future development of electronic banking business in China.