中美网络银行发展环境比较研究

中国和美国在网络银行发展过程中,存在很多的差异,这些差异主要表现在经济环境、银行的竞争环境、网络银行系统和网络银行潜在用户这四个主要方面。通过对这四个方面的中美比较研究,我们得到中国网络银行的发展差距还是很大的结论。针对我国网络银行发展中存在的不足,本文提出了几点解决办法。

THE COMPARISON OF DEVELOPING ENVIRONMENT OF INTERNET BANKING BETWEEN CHINA AND USA

The rapid growth of information technology, especially the Internet has changed all kinds of industries, including the banking. Internet banking, as an efficient new distribution channel, allows the customers using the banking services through their computer linked with Internet and without going to the banking branches. Because it is the cost-saving and convenient way to provide the banking services to the customers, Internet banking has been widely diffused worldwide. Internet banking services began to be provided in China from 1997. More and more traditional Chinese banks have transformed to the new distribution channel to gain new competitive advantage. After entering in the WTO, Chinese banking companies have to survival in the fierce competitively environment. How to sustain and develop for Chinese banking industry? The best way is to develop the Internet banking. Although Chinese Internet banking has been widely operated, the customers willing to using are still limited. What are the reasons that the banking eagerly to run an Internet distribution and the users don't want to have a try? Based on existing development of Internet banking, the paper discussed the gap which results to the Internet banking adoption lagged with the United States so as to answer the question which asked before. The authors found that there are a lot of differences in the development of Internet banking between China and USA, which existed on the following four aspects:economic environment, competition environment, online banking systems and potential adopters. From the GDP per capital, national education level, information capability and some other index, the authors analyzed the lagged situation in Chinese Internet banking. The authors concluded that Chinese Internet banking still has a great gap compared with American Internet banking. To avoid those deficiencies, Chinese government and banking industry should take some actions.