进一步发展和完善我国网上银行的探讨
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摘要
20世纪90年代以来,以计算机和网络等技术为核心的信息技术呈爆炸式发展,特别是互联网技术的迅速发展,其影响已迅速扩散到社会的各行各业、世界的各个角落。作为现代社会经济活动中枢的金融业,信息技术的飞速发展成了银行业进行金融创新最主要的动力之一。网上银行是指银行利用计算机和网络通信技术,将银行业务和网络渠道相结合,为客户提供各种金融信息、金融交易及其衍生的各种相关服务。它是一种新的、与传统网点并列的业务经营和市场拓展的重要渠道。随着中国加入WTO过渡期的结束,中国金融市场全面对外开放,金融全球化趋势加速,作为中国新经济核心的银行业面临前所未有的新机遇与新挑战,网上银行已成为国内商业银行发展的必然趋势,并呈现快速增长态势。由于网上银行可以不受时间、地点的限制向客户提供各种个性化、标准化的服务,可以大幅度降低银行经营成本、提高银行经营效率,给传统银行创造更广阔、更自由的业务拓展空间,能大大提升银行的核心竞争能力,因此它必然会成为各大银行争夺市场的有力武器。面对激烈的市场竞争,究竟该如何在完善好现有的网上银行体系的基础上研究和设计出有自己特色的网上银行产品是国内各大商业银行都必须面对的严峻问题。
本文就我国商业银行网上银行业务的完善和发展进行研究,从网上银行的基础理论入手,分析了国外网上银行发展的不同方向和国内网上银行的发展现状,而后从安全问题、使用问题、监管问题、盈利问题等方面分析了我国商业银行网上银行业务发展中存在的不足,并提出了相应的完善方法。同时还结合当前电子商务的快速发展形势,和本人多年从事银行工作的实践,指出了我国网上银行的发展特点,发展趋势和未来进一步发展的方向。以期能促进我国网上银行的健康有序发展,同时也能对提高国内商业银行的核心竞争力方面有所帮助。
According to advantage of personal computer and other electronic devices, the Information Technology has growth explosively since the end twenty century. The weave has affected every single corner of world, all industries and businesses.Especially the keystone of IT-Internet, that has become the main bridge of all parts. Finance is the major industry of world economic; the Internet has become the very important innovation element and motivation. The most popular one that created through the internet is the online bank. It almost able to provide all kind of bank services same as the bank teller, even more, the online bank can gives consumer other information and relate services which ordinary bank teller can not or difficult to. For instance, the currency futures and options list, funds return index and others. The online bank is the new channel between banks to customers, and could create a high efficient way of customer service coordinate with traditional bank business. The Chinese financial market has been more and more complicate and international since China became the member of WTO. Online bank is not limited by location and time, therefore users of online bank has increased sharply since the PC expanded widely in China. It decreases bank costs, increases efficiency and creates the expand space for bank. However, the online bank is the most important instrument of market competition. To deal with this highly competitive market, how to create a competitive online bank is become the most important business scope.
This discussion is going to focus on this problem based on the basic bank theories to discuss the growth trend of online bank, after that the discussion will find out the advantages and disadvantages of our national online bank from four aspects which are safety, audition, processing and profitability. Finally, the article will summarize the expenditure orientation. However, some personal opinions from this discussion ground on my own bank experiences and book theories. The purpose of the article is to understand the development keystones of online bank.
本文就我国商业银行网上银行业务的完善和发展进行研究,从网上银行的基础理论入手,分析了国外网上银行发展的不同方向和国内网上银行的发展现状,而后从安全问题、使用问题、监管问题、盈利问题等方面分析了我国商业银行网上银行业务发展中存在的不足,并提出了相应的完善方法。同时还结合当前电子商务的快速发展形势,和本人多年从事银行工作的实践,指出了我国网上银行的发展特点,发展趋势和未来进一步发展的方向。以期能促进我国网上银行的健康有序发展,同时也能对提高国内商业银行的核心竞争力方面有所帮助。
According to advantage of personal computer and other electronic devices, the Information Technology has growth explosively since the end twenty century. The weave has affected every single corner of world, all industries and businesses.Especially the keystone of IT-Internet, that has become the main bridge of all parts. Finance is the major industry of world economic; the Internet has become the very important innovation element and motivation. The most popular one that created through the internet is the online bank. It almost able to provide all kind of bank services same as the bank teller, even more, the online bank can gives consumer other information and relate services which ordinary bank teller can not or difficult to. For instance, the currency futures and options list, funds return index and others. The online bank is the new channel between banks to customers, and could create a high efficient way of customer service coordinate with traditional bank business. The Chinese financial market has been more and more complicate and international since China became the member of WTO. Online bank is not limited by location and time, therefore users of online bank has increased sharply since the PC expanded widely in China. It decreases bank costs, increases efficiency and creates the expand space for bank. However, the online bank is the most important instrument of market competition. To deal with this highly competitive market, how to create a competitive online bank is become the most important business scope.
This discussion is going to focus on this problem based on the basic bank theories to discuss the growth trend of online bank, after that the discussion will find out the advantages and disadvantages of our national online bank from four aspects which are safety, audition, processing and profitability. Finally, the article will summarize the expenditure orientation. However, some personal opinions from this discussion ground on my own bank experiences and book theories. The purpose of the article is to understand the development keystones of online bank.
引文
1中国金融认证中心.2009中国网上银行调查报告.2009年12月
2郑延.我国网上银行发展现状及对策研究[J].金融与经济.2009.5
1中国金融认证中心 2008中国网上银行调查报告 2008年11月
[1]赵子蔚.我国商业银行网上银行发展战略研究[J].现代商业,2009.21
[2]黄旭、徐亚文.我国网络银行发展的问题与对策[J].当代经济,2007.10
[3]陶国喜.我国网上银行探究[J].现代商业,2009.17
[4]徐长斌.大众对于网上银行的需求及网上银行的发展[J].浙江金融,2009.7
[5]郑延.我国网上银行发展现状及对策研究[J].金融与经济,2009.5
[6]戴璇.网上银行交易风险及对策探悉[J].科技信息,2009.22
[7]志华.网上银行是银行业发展的必然趋势[J].共产党人,2009.12
[8]米利群.关于影响网上银行顾客满意度因素的实证分析[J].河北大学学报,2009.4
[9]张成武.完善工商银行网上银行业务的一些思考[J].商场现代化,2008.16
[10]黄益.我国网上银行风险的控制[J].企业活力,2008.2
[11]邱房贵.我国网上银行的发展及法律监管对策[J].改革与战略,2007.6
[12]徐旻.企业网上银行业务的差异化发展战略[J].江苏商论,2007.2
[13]卢玉志、赵东星.我国网上银行发展中存在的问题与对策[J].特区经济,2008.2
[14]王元峰、裴玲、沈江锋.如何加快电子银行产品创新[J].现代金融,2009.12
[15]甘小红.如何走出网上银行发展困境[J].金融与经济,2005.4
[16]张成虎.网络金融[M].科学出版社,2005
[17]岳意定、吴庆田.网络金融学[M].东南大学出版社,2005
[18]叶蔚、袁清文.网络金融概论[M].北京大学出版社,2006
[19]李兴智、丁凌波.网上银行理论与实务[M].清华大学出版社,2003
[20]王华庆.网上银行风险监管原理与实务[M].中国金融出版社,2003
[21]辛树森.电子银行[M].中国金融出版社,2007
[22]秦永顺.现代银行数字化经营[M].吉林人民出版社,2005
[23]奚振斐.电子银行学[M].西安电子科技大学出版社,2006
[24]张波、孟祥瑞.网上支付与电子银行[M].华东理工大学出版社,2007
[25]孙森.网上银行[M].中国金融出版社,2004.2
[26]李兴智、丁凌波.网上银行理论与实务[M].清华大学出版社,2003.4
[27]周平.网上银行[M]周国财政经济出版社,2001.3
[28]孙森.网络银行[M].中国金融出版社,2004.2
[29]尚华娟.新经济与网络银行[M].上海译文出版社,2003,1
[30]张晶.论我国网上银行的发展与完善[M].首都经济贸易大学,2006
[31]李雪峰.招商银行网上银行建设的研究[M].北京对外经济贸易大学,2006
[32]张桐赫.网络银行法律监管现状及进路分析[M].吉林大学,2005
[33]中国人民银行.网上银行业务管理暂行办法,2001.07
[34]中国金融认证中心.2008中国网上银行调查报告,2008
[35]中国金融认证中心.2009中国网上银行调查报告,2009
2郑延.我国网上银行发展现状及对策研究[J].金融与经济.2009.5
1中国金融认证中心 2008中国网上银行调查报告 2008年11月
[1]赵子蔚.我国商业银行网上银行发展战略研究[J].现代商业,2009.21
[2]黄旭、徐亚文.我国网络银行发展的问题与对策[J].当代经济,2007.10
[3]陶国喜.我国网上银行探究[J].现代商业,2009.17
[4]徐长斌.大众对于网上银行的需求及网上银行的发展[J].浙江金融,2009.7
[5]郑延.我国网上银行发展现状及对策研究[J].金融与经济,2009.5
[6]戴璇.网上银行交易风险及对策探悉[J].科技信息,2009.22
[7]志华.网上银行是银行业发展的必然趋势[J].共产党人,2009.12
[8]米利群.关于影响网上银行顾客满意度因素的实证分析[J].河北大学学报,2009.4
[9]张成武.完善工商银行网上银行业务的一些思考[J].商场现代化,2008.16
[10]黄益.我国网上银行风险的控制[J].企业活力,2008.2
[11]邱房贵.我国网上银行的发展及法律监管对策[J].改革与战略,2007.6
[12]徐旻.企业网上银行业务的差异化发展战略[J].江苏商论,2007.2
[13]卢玉志、赵东星.我国网上银行发展中存在的问题与对策[J].特区经济,2008.2
[14]王元峰、裴玲、沈江锋.如何加快电子银行产品创新[J].现代金融,2009.12
[15]甘小红.如何走出网上银行发展困境[J].金融与经济,2005.4
[16]张成虎.网络金融[M].科学出版社,2005
[17]岳意定、吴庆田.网络金融学[M].东南大学出版社,2005
[18]叶蔚、袁清文.网络金融概论[M].北京大学出版社,2006
[19]李兴智、丁凌波.网上银行理论与实务[M].清华大学出版社,2003
[20]王华庆.网上银行风险监管原理与实务[M].中国金融出版社,2003
[21]辛树森.电子银行[M].中国金融出版社,2007
[22]秦永顺.现代银行数字化经营[M].吉林人民出版社,2005
[23]奚振斐.电子银行学[M].西安电子科技大学出版社,2006
[24]张波、孟祥瑞.网上支付与电子银行[M].华东理工大学出版社,2007
[25]孙森.网上银行[M].中国金融出版社,2004.2
[26]李兴智、丁凌波.网上银行理论与实务[M].清华大学出版社,2003.4
[27]周平.网上银行[M]周国财政经济出版社,2001.3
[28]孙森.网络银行[M].中国金融出版社,2004.2
[29]尚华娟.新经济与网络银行[M].上海译文出版社,2003,1
[30]张晶.论我国网上银行的发展与完善[M].首都经济贸易大学,2006
[31]李雪峰.招商银行网上银行建设的研究[M].北京对外经济贸易大学,2006
[32]张桐赫.网络银行法律监管现状及进路分析[M].吉林大学,2005
[33]中国人民银行.网上银行业务管理暂行办法,2001.07
[34]中国金融认证中心.2008中国网上银行调查报告,2008
[35]中国金融认证中心.2009中国网上银行调查报告,2009