发展电子银行,提高我国商业银行竞争力

E-banking and its role in enhancing the competitiveness of China's commercial banks

上世纪 90年代以来 ,随着互联网技术的迅猛发展 ,传统银行业受到电子银行的巨大冲击和挑战。其主要原因是电子银行具有成本低、规模效益和全方位服务等许多优势。本文在分析电子银行上述优势的基础上 ,指出我国商业银行已经具备大力发展电子银行的有利条件 ,电子银行将在我国商业银行提高竞争力的过程中扮演重要角色。

With the development of internet technology since 1990s, traditional banking industry has been greatly challenged by e banking. The main reasons are the advantages of e banking such as low costs, economies of scale and all round services, etc. This paper points out that the infrastructures in China are ready for commercial banks to establish and develop e banking and that e banking will play an important role in enhancing the competitiveness of China’s commercial banks.