试谈网上银行的前景.pptVIP

The possibility of new entrants (2)新加入對手的潛在機會 (2) These are likely to target particular market segments - e.g. “mass affluent” rather than mass market這些新設業務可能針對某些具體的市場對象，如條件較富裕的人士，而不是普羅大眾 Will try to differentiate themselves from existing players through image, culture, products, service, integrated and personalized approach to customers這些銀行為使自己別樹一幟，將會致力建立獨特的形象與文化，並以綜合的個人化方式為客戶提供產品和服務 The role of the HKMA (1)金管局的角色 (1) Use of the internet as a delivery channel may shift bank risk profiles to some degree and create new risk control challenges銀行利用互聯網提供服務，可能會使其承受的風險狀況出現一定程度的變化，因此對風險監控工