| The appearance and development of network-bank is intensely interrelated with E-business, while the rapid development of inter-net brings E-business infinite developing space. In the information time, traditional bank has not been able to meet the requests of nowadays economy yet, so network-bank appears and grows.Since 1995 when the foundation of the first network-bank, SFNB (Security First network Bank), network-bank has been followed with interest for its virtual, smart, high efficiency and low cost, surviving in the fierce competition in the financial market. At the same time, NBs in Europe and Japan have developed rapidly as well. In this paper, I analyzed E-business, E-companies and how the NBs coming into being from the economic point of view. Then, I interpreted the development of NBs with the methods of economic analysis. NB in China appeared later then others, just first in 1996, February, but it has been developed fast after its appearance. Since Bank of China built its website firstly and China Merchants Bank supplied its first online pay services, in very few years, China's NB has developed as EB (E-business) and EG (E-governance) have developed. In just a few years, NBs have spread all around China, and have been widely used. As yet, there have been in all more than 200 branches of more than 20 banks having their own websites and homepages, more than 50 of them have developed substantial NB businesses with more than 400,000 clients.Although NB has developed rapidly, the mode of developing it in China is still in research. In the research of the mode of developing NB in the western developed countries, there are several successful experiences and lessons. In general, there are three main kinds: the mode of developing big bank, the mode of developing community bank and the mode of developing network-bank. The first ones mainly purchase the existing NBs and set up its own network branch banks. The last ones mostly contain all-sided mode of developing and particular mode of developing.In my opinion, in the case of China's reality, we can consider some kinds accompanied with the economic analysis in the first two parts: the mode of developingpurely network-bank and the mode of setting up their own network-bank which is one of the modes of developing big bank. In details, I think from the evaluation of the profits from NB's input and output, it's possible to do research on the following mode: the branches mode, the enterprises mode and the mode of departments sustained inside the bank. And I gave an original idea of mode of mixed management and divided management. I think decisions should be made according to the related developing span. In the short run, the third one fit in with China's reality and the fact have proved that it has thrived in China yet. But in the long run, the enterprise mode of developing is the best one for NB's development. The reason is that this kind of mode can accelerate the innovation of the products and services, and then the NB that aimed at maximizing the profits will face choosing which one between the modes of mixed management and divided management. In my opinion, mixed operation is the best strategy for NBs.At the end of this paper, I choose the case of the Agricultural bank of China to analyze how to choose its NB's developing mode in different time. I think the ABC should choose the developing mode of departments sustained inside the bank at present, then the medium-term choice is the branches developing mode, and choose the enterprises developing mode in the long term. |
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