The Study On Internet Banking Development And Solution Based On Network Financial Theory

Chinese traditional bank brought the new technologies to speed up the transformation of the banking sector is an important measure to cope with the serious impact of the accession to WTO. How to adjust themselves and exceed competitors in order to face of the new century, tests all the banks. Internet banking is currently the technology in the banking business arising from the new round of changes in the rapid growth and unique service means that all of the traditional banking institutions in the world have experienced tremendous shock. China's banking industry is likely to usher in a new opportunity. Regardless of what future development will be, more convenient financial services online banking to the best interests of customers.As the popularity of the Internet and e-commerce, the flourish of Internet banking in China emerged. However, as the external environment, internal control and the corresponding lack of a sound legal mechanism, the development of internet banking continues to face many pressures and problems. Although some of our current commercial banks, such as China Merchant Bank, have started the online business, it still faced with the several major problems, such as lack of network economy market demand, the small size of transactions and the poor efficiency;market culture that is not adapted to the online business and still a considerable gap between the concepts and practice;credit mechanism that is not perfect and the imperfect market environment;insufficient input in information network infrastructure and lack of overall financial network construction planning;construction of online public certification center and mutual networking in internet banking;service system building and safety precautions, etc, which need us to solve in the development of Internet banking process. The main objective of this study is the presentation of a number of effective suggestions on Internet banking developments on the basis of network financial theories and corresponding statistics, which response to the real problems in Internet banking.This text describes the introduction of the purpose and significance of thesubject's selection, Internet banking and the development of the outline in the first chapter. In Chapter II, the basic concept of Internet banking was elaborated, and the meanings of Internet banking creation and development from the network financial organization theories were analyzed. We made analysis in Chapter III on the online payment market and the use of Internet banking on the basis of specific statistical data of Internet banking development in 2005 of China, the size of domestic Internet users, Internet banking business users and individual users scale and the future users of Internet banking projects forecast;and also with detailed analysis of the problems in the development of domestic Internet banking. The approaches to external environment in the development of domestic Internet banking, management, and financial risk which are the three main regulatory aspects were put forward, from the development of our Internet banking model selection, technology strategy and operational strategy in chapter IV.