Analysis And Evaluation Of Economic Benefits With Regard To The Personal Internet Bank Project Of Bank Of China

As the coming of Information era, EC and online payment are used by more and more people. As a very important part of the country’s economics, Banking is certainly influenced by these. At the same time,there are some puzzles in the bank’s management, so carry out the E-banking business is the key point for its improving profit and strengthen its status of the markets. On the basis of reading a lot of references, article first expounded the theory of economic efficiency and economic efficiency and benefit of online banking, and combining with the development of traditional commercial banks and the Bank of China, analyzed the main impacting factors from the macro level and the micro level. This paper established the evaluation index system of economic efficiency and benefit of online banking, and selected the Bank of China as samples to make empirical research on the evaluation of the economic efficiency and benefit of personal online banking.According to get an access to online banking information form the Bank of China in Hunan province between2008to2012, organized and calculated the corresponding original indicator data.Obtained evaluation results of the economic efficiency and benefit of online banking using factor analysis model to index the original data, which concluded that the development scale of China Bank online banking and customers experience evaluation to online banking have a crucial role in improving its economic efficiency and benefit, On the basis of the analysis of empirical results, with consideration of the factors influencing the economic efficiency and benefit of the Bank of China at all levels, derived countermeasures to improve the economic efficiency and benefit of personal online banking.