Research On Improving And Development Of Online Bank In China

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.