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Discussion on the Small-medium Sized Joint-stock Banks to Develop Internet Banking Business(2006年公共管理国际会议论文).doc

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Discussion on the Small-medium Sized Joint-stock Banks to Develop Internet Banking Business(2006年公共管理国际会议论文)

The Discussion on the Small-medium Sized Joint-stock Banks to Develop Internet Banking Business WANG Wei-fan School of Economics and Management Nanjing University of Science Technology, Nanjing, P.R.China, 210094 Abstract The internet banking business has been a promising trend for commercial banking recently. Starting with the origin of Internet bank, this paper analyzes the advantages and problems for the Small-medium Sized Joint-stock Bank (the SSJBs) to develop Internet banking business from both macro and microenvironment, and then makes some suggestions for the SSJBs to better the development of Internet banking business. Key words Small-medium Sized Joint-stock Banks, Internet Banking Business, Clients, Electronic Money, Professional 1 Introduction The electronic business has been developing very quickly as a business operation mode of being high effective, convenient and low cost. An integrated electronic business includes acquiring information of commodities, payment and consignment, in which the payment acts as the core. It plays an extremely important role in the revolution of financial industry and the development of electronic business, which leads to the emergence of Internet bank. The Internet bank gives the banking a wholly new marketing fashion and a global market, and promotes the extent of internationalization by the reconstruction of a fresh banking rule for competition that all banks compete equally in the Internet. Under the new market rule, if the small and medium sized joint-stock banks (the SSJBs) struggling in the crevices could grasp the opportunities brought by IT, they may run neck and neck with the large banks and compete equally in the global market. Can the domestic SMJB succeed in this competition? 2 The Retrospection of Internet Bank Development The origin of Internet bank came from the US. The Security First Network Bank (SFNB) in Atlanta on Oct. 18th, 1995 is the first bank named with “net” in the world, the establishment of