网络银行发展问题研究

【作者】 陈千谦；

【导师】 丁华南；

【作者基本信息】 湖南大学 ， 金融学， 2003， 硕士

【摘要】 随着中国加入WTO，外国银行纷纷进入中国市场，并以网络银行业务作为进入中国金融市场的最大竞争优势。我国银行业发展网络银行已是刻不容缓。但是，作为新生事物的我国网络银行，到底该如何发展?论文运用了理论与实际相结合的方法，对网络银行的运作发展进行了比较分析。具体章节采用了定性定量相结合的方法，结合国外网络银行发展的成功之处，针对我国网络银行发展的问题和现状，有针对性地提出了具体政策建议和具体措施。 论文首先概括性地论述全球网络银行的发展，网络银行的业务与特色，特别是将网络银行与传统银行进行了比较分析。针对网络银行发展中的风险问题，论文运用金融风险管理原理，对网络银行发展中的风险进行具体分析，并提出了网络银行风险管理措施。网络银行是依托于internet发展的，而我国internet的发达与普及程度远不及国外。因此，我国网络银行的发展并不能简单地照搬国外网络银行发展的模式。通过具体分析我国网络银行发展中存在的问题，并与发达国家网络银行的发展进行分析比较研究之后，论文提出了针对我国网络银行发展的对策：我国银行业宜采取负担银行的形式发展网络银行，即传统银行在原有业务的基础上推出网络银行服务。成立网络银行发展战略研究的专门机构，确定适合我国银行业现状和发展目标的网络银行业务与传统银行业务发展的比例，通过对网络银行的投入与产出的比较，确定网络银行发展过程中各种资源的最佳配置，在此基础上制定出网络银行发展的短期策略和长期策略，从而争取到有利的局面。更多还原

【Abstract】 With China’s entering WTO, foreign banks have entered Chinese financial market with network bank business as their superiority. It is an urgent task for domestic banking to develop network bank. But how should domestic bank develop as a newly born baby? With the integration of theory with practice, the dissertation compares and analyses the operation and development of network bank. With quantitative and qualitative analysis in some chapters, by combining successful experiences of foreign network bank, the dissertation puts forward detailed suggestions and measures aimed at current problems and situation of the development of Chinese network bank.The dissertation firstly generally introduces the development of network bank all over the world and discusses the business and features of it, especially compares and analyses the difference between network bank and traditional bank. With principles of financial risk management, the dissertation specifically analyses the risks in the development of network bank and puts forward measures of risk management in the development of network bank directed against risk problems. The development of network bank relies on internet. But the development and popularity of internet in foreign countries is far better than that in China. So the development of domestic network bank cannot simply imitate the pattern of foreign network bank. After specifically analysing the problems in the development of network bank in China, comparing and analysing the development of network banks home and abroad, the dissertation suggests the measures of the development of network bank in China: Incumbent bank is the recommended pattern of the development of domestic network bank, the pattern that traditional bank offers network bank service besides its existing business. Special organs studying strategies of the development of network bank should be set up. Proportion of the business of network bank and traditional bank should be fixed according to current situation and developing targets of Chinese banking. The best resources disposition should be settled in the development of network bank with the comparison of its input and output. Short-term and long-term strategies of the development of network bank should bemade on the basis of the above to open up favorable prospect.更多还原