网络银行的竞争优势探析

An Analysis of the Competitive Advantage in the Internet Bank

经济个体的竞争力主要取决于经济环境中的四大要素：资源要素、资本要素、技术要素和政策要素。银行业中的网络信息技术强化了四大要素的作用，使网络银行在竞争中占据优势。多方面因素影响网络银行竞争力的体现。应尽快出台提高网络银行竞争力的政策。

The writer of the article analyses the competitive advantage of the Internet bank and comes to following conclusions: 1. Competitive ability is based on four fundamental factors: technology, capital, policy and usable resources. 2. Internet technique strengthens these four fundamental factors of the Internet bank and makes banks strong in competition. 3. Several factors stunt the expression of the competitions of Internet banks.