论网上银行的优势、困境与前景

论网上银行的优势、困境与前景

论网上银行的优势、困境与前景

摘 要：自从1995年，第1个证券网上银行的建立，这是当时唯1的在美国建立的银行，网上银行做为银行业的融资方式在90年代中后期发展迅速。然而在21世纪初，网上银行的发展速度开始减慢，而其中的1些银行被收购，更糟糕的是网上银行的盈利难以计算与预测。本文首先主要利用经济学模型研究了网上银行的产生和发展过程，讨论了其得以发展的优势。其次，阐述了这些优势因何未能得到充分发挥，对当前网上银行的发展陷入的几个困境。再次，分析了在当前不利的情况下，网上银行继续发展的必要性，运用经济学理论，对网上银行进行优势、困境与前景的分析。第4，分析网上银行的发展对策及前景。第5，讨论了中国内地网上银行的现状及其发展。最后给出了建议。

关键词：网上银行；优势；困境；前景
 
Essay on Advantage、Shortage and  Prospect of On-line-only Bank

Abstracts: Since in 1995， Security First Net Bank， the first on-line bank and also the first on-line-only bank， was founded in United States， on-line bank as the newest method of finance creation in the banking industry has developed rapidly in the middle and later 1990s. However， at the beginning of 21st century， the speed of on-line banks development has started to slow down. Some on-line-only banks have been purchased by traditional banks. And even worse， the profit of on-line banks seems to be more and more unpredictable. There are totally five chapters in this thesis.   The first chapter introduces the definition of the on-line bank，; the background of its creation and development， and its current status， financial products and development models.   The second chapter analyses the advantages of on-line banks.   Through the comparison between traditional banks and on-line banks， the advantages of on-line banks are analysed. The advantages are mainly showed in the following three aspects， first， low cost of operation; second， convenient， rapid and personalized services; third， the payment method， including electronic money， provides higher speed and lower cost of currency transition.   The third chapter does research on the difficulties that the on-line banks are currently facing. Since the on-line banks have so many advantages as mentioned above， how can they have been purchased by some traditional banks instead of taking place of them as someone has predicted. For example， the first on-line only bank in the world， Security First Bank in USA was purchased by Canadian Royal Bank at the end of 1990s. This chapter introduced the difficulties that on-line banks are currently facing， and the reasons leading to it. The fourth chapter predicts the future of on-line banks.  This chapter mainly tells the necessity of its continuous development and raised some resolutions to its difficulties. Moreover， it is pointed out that its development trend will not stop， and its future is promising. The fifth chapter tells the current status of on-line banks in China mainland， and its future development and suggestions accordingly. The on-line banks in China mainland started a little later， and though rapidly developed， but are still in the preliminary stage， its advantages have not been fully used. They are not only facing the difficulties that other on-line banks are facing， but also have its specific problems on development. Finally， the suggestions are given. 
    
Key Words: On-line Bank； Advantage；Shortage ； Prospect

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