| Along with the digital economy coming and the spread of the Internet, for300years the traditional bank subsistence has changed, online banking gradually entered people’s lives. With social progress and the development of the network times, the bank on the net began to blow to the traditional bank. The bank on the net as the21st century the world financial industry leading pattern, its low cost and broad prospects, already more and more get people’s attention. Since China’s accession to the WTO, foreign Banks with its abundant capital actual strength, mature technology, rich management experience and globalization advantage, enter the domestic financial market and forcing the Chinese banking vigorously develop the bank on the net. If China can develop the online banking well and quickly, not only the banking competition strength will be prompted but also the development of the financial industry will be pushed.The reason why many countries pay much attention on developing the online bank is that compared with the traditional bank, online bank has more advantages. Online bank except with traditional business outside, general also offers three new business: public information services, investment banking services and comprehensive management services. Business domain expansion make online bank in accounting inquiry, transfer, report the loss of STH, collected withheld or ATM card consumption, consultation, etc, providing a traditional bank incomparable convenient. Again, management innovation superiority:online bank USES digital management greatly reduce labor costs, improve work efficiency, and enhance foreign competition.China construction online banking development foreground is very broad. Taking China construction bank, the bank on the net as the research object, online banking demands, development and design make comprehensively. |
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