A Study On The Operation Mode Of Direct Bank In China

Direct bank, the business development which is no counter- based, break the time,geographical, network and other restrictions, mainly through the electronic channels to provide financial products and services of the bank's business model and customer development model. Direct bank is a powerful breakthrough in the traditional banking services, creating a new service model, customer experience and lifestyle, unique development potential. With the continuous fermentation of Internet banking, direct banks will be in the new round of competition in the banking industry in China to bring new opportunities for the innovation.This article mainly carries on the research of our country direct bank operation mode. First of all, the current situation of the development of the direct bank in China and abroad, and make a detailed summary report. Understanding of the background of the thesis. Secondly, the focus of the study two to three foreign direct bank success stories. Combined with their respective business model, summed up the success of the characteristics and experience, and in order to get these characteristics and experience of China's direct banking development. Then, study the development of direct bank in China in recent years. The first is the development of Chinese traditional banking industry background and problems, the second is the development of Chinese financial industry under the environment of the pros and cons of the advantages and disadvantages of the third is the combination of the actual situation and build evaluation model, the development of a number of Chinese current stage of the development of a detailed survey and evaluation, analysis of its development characteristics and problems, and to make a summary of its operating status. Finally,combined with the experience of the international development of direct bank and the characteristics of Chinese financial development environment, the operation of Chinese direct banks to put forward proposals, and try to explore a set of effective direct banking operation mode in china.