網上銀行的前景-HongKongMonetaryAuthority.ppt

“The Outlook for Internet Banking”“網上銀行的前景” David Carse Deputy Chief Executive Hong Kong Monetary Authority 香港金融管理局副總裁 簡達恆 16-1- 2001 The outlook for internet banking網上銀行的前景 The overall situation 整體發展情況 The situation in Hong Kong 香港的發展情況 The HKMA’s regulatory approach 金管局採取的監管方法 Conclusions 結論 Is it really the “Age of the Internet”? (1)我們是否真的已進入“互聯網年代”? (1) A year ago many people (including me) believed that the internet would revolutionize banking 一年前，許多人(包括我在內)都認為互聯網會令銀行業出現革命性轉變 The mood is now much more realistic and indeed pessimistic 當前的市場氣氛已變得比較實事求是，甚至是悲觀 Is it really the “Age of the Internet”? (2)我們是否真的已進入“互聯網年代”? (2) Some of this pessimism is probably overdone and reflects the more general collapse of the boom and the problems of many e-retailers 部分人士可能過分悲觀，這主要是受到網股暴跌及許多網上零售商面對的問題影響 How to handle the challenges of the internet and new technology in general is still one of the biggest strategic issues in banking 銀行業面對其中一個最主要的策略性問題，仍然是如何處理互聯網及新科技所帶來的挑戰 Why has the mood changed? (1)市場氣氛為甚麼會出現轉變? (1) Customers have been slow to switch to the internet in some countries 在一些國家，客戶轉用互聯網的趨勢比較緩慢 concerns about security, quality of service and range of products 憂慮保安、服務質素及產品系列等問題 Why has the mood changed? (2)市場氣氛為甚麼會出現轉變? (2) Cost savings have proved to be difficult to realize 事實證明難以達到節省成本的目標 initial investment costs outweigh cost savings 初期投資成本超過所能節省的成本 need for customer support (to answer queries) may actually increase 對客戶支援的需求 (以應付客戶查詢) 可能會實際上增加 Why has the mood changed? (3)市場氣氛為甚麼會出現轉變? (3) Revenue growth has been difficult to achieve 難以達到增加收入的目標 ability of banks to cross-sell products is unproven 銀行在網上交叉銷售產品的能力仍未經證實 margins may come under increased pressure from greater price transparency 價格透明度提高可能會令邊際利潤承受更大壓力 The decline of the pure virtual banks (1) 只在網上經營的虛擬銀行發展未如理想 (1) The performance of the pure “internet only” virtual banks has been particularly disappointing 只在網上經營的虛擬銀行的表現實在令人失望 Customers seem to require the reassurance of a