【作者】 李红权；

【导师】 蒲勇健；

【作者基本信息】 重庆大学 ， 工商管理， 2001， 硕士

【摘要】 本论文主要研究网络银行在中国的发展状况以及中国银行网络银行建设中存在的问题及对策建议。本论文在介绍网络银行的基础上运用微观经济学的规模经济理论研究了网络银行的外部性特征以及网络银行不同于一般行业的规模经济原理，又根据战略管理关于竞争优势的理论研究了网络银行区别于传统银行的竞争优势。并以我国商业银行的网络银行为案例，分析我国开发网络银行的内、外部环境，用比较的方法分析了各商业银行的网络银行优、缺点，在一般性探讨的基础上指出了中国银行网络银行建设中存在的问题，并分析了原因，最后给出了对策建议。本论文得到如下结论：①网络银行具有外部性和规模经济等特点；②网络银行具有许多优于传统银行的竞争优势，包括成本优势、差异型优势、目标积聚型优势等；③我国的网络银行处于初级阶段，中国银行的网络银行在发展战略、组织机构、系统设计、营销、人才培养等方面存在问题，必须加以改进。更多还原

【Abstract】 This paper is mainly about the development of Internet bank in China and in Bank of China. In my paper ,firstly ,I introduce Internet bank. After that ,I discuss the external character and large scale economic principle by using micro-economic theories. I also analyze the competitive advantage of Internet bank by using Porter’s competitive theories. Then I discuss the present situation of Internet bank in China, analyzing Internet bank in China, comparing the advantage and disadvantage of different Internet bank of different banks, pointing out the problem of Internet bank of Bank of China. Finally, I give my suggestion to solve these problem. In my paper, I have got next conclusion:①Internet bank has external and large scale economic character; ②Internet bank has some competitive advantage comparing with traditional bank;③Internet bank of China has to be improved, Internet bank of Bank of China has some problem concerning capital, human resources, organization and device. I have given my suggestion to solve these problem .更多还原