Candidate: Zhang Ke ( Emma) Date: 25, April,2003
Title: Internet Banking
Evaluator: Dr. Kenvin Baker
¡ÃResearch questions and objectives
¡¤What internet banking is used for?
¡¤Which businesses subscribe internet banking been had?
¡¤How many people use it?
¡¤How many Chinese banks develop this surgery?
¡¤How can internet banking develop more than security and efficiency in China?
¡ÃSourcing
According to OCC, internet banking is delimitate as pointing somewhat systems that through utilizing these systems, the bank customers pass the PC or opposite intelligent devices to enter the bank cast and get the general bank products and service study. Some another(prenominal) banks defined it as a real-time solution that allows you to gravel your accounts 24 hours a day, 7 days a week; you may check your balances and transaction history for such accounts as checking, savings, money market and even mortgage.
The principal literature sources from some main banks in China which have been develop this operation such as China Merchants Bank, Bank of China, and China twirl Bank.
Comp atomic fig 18d with traditional bank, internet bank has further predominant feature article:
¡¤Financial services standardisedly, individualized and synthetically
¡¤The deep change in the financial competition pattern
¡¤The branch of industry more interdependency
¡¤Its merits of information and more transparency of the information
The domestic banks for developing internet banking are optimistic.
In April, 1997, China Merchants Bank was the first one for developing this operation. Following it, other banks have it subsequently. As a result, more than 200 branches of 20 banks have this operation nowadays. At the corresponding time, the number of live and potential consumers have a striking increase. According to a survey from AC Nielsen Company, from 2000 to 2005, the number of existing consumers will increase from 900 thousand to 140 million. While the number of frequence of people surfing on...
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