Bank Characteristics Of Network Research And Development Trends

As a kind of rising financial service, Network bank is being recognized more and more importance by commercial bank for its low cost and future potential. This paper gives comprehensive analysis on the economical character of Network bank through microeconomic point of view, the trend of its development and corresponding suggestion for commercial bank.Network bank owns characteristic development, which breaks the traditional economical rules on many aspects. Commercial bank is required to know these characters sufficiently to master it and to keep competitive edge. Chinese commercial bank needs to have the suitable mode for development, in which the integration between traditional bank and network banks well perceived to be suitable for China.Currently the network bank is following the trend, ie diversified terminals (Network bank on mobile), pluralistic business, combinative industry, globalization and internationalization. Answering to these challenges, commercial bank is suggested to take corresponding measurement, which includes comprehensive innovations, enhanced cooperation, Network bank brand-building, risk control and mobile network bank follow-up.In general, the future of bank industry is optimistic, but it is still suggested to attach enough importance to the problem under development and measurement taken. The commercial bank in 21st century should hold the network closely to grasp the beat of information age. With modern financial service, it will definitely grow fast together with networking economy.