网络银行存在及发展的经济学解释

An Economic Explanation for Existence and Development of Internet-Bank

网络银行的发展实践证明。纯粹的商业动因不足以解释网络银行存在及发展的深层次原因。本文以网络经济作为研究的逻辑起点,从边际效用、外部性、价值链三个不同角度分析了网络银行的经济学理论基础。

This paper indicates that the commercial reasons alone can not explain the existence and develop- ment of Internet-bank.In environment of network-economy,an economic explanation for existence and devel- opment of Internet-Bank has been put forward by way of those three theories:marginal utility,externality,and value chain.