中国加入WTO对网上银行的挑战与对策研究

China′s Entry to WTO and Domestic E-Banks

本文从电子商务宏观经济角度简要剖析了外资银行的进入对中国网上银行的挑战 ,并从规划、领导、竞争、合作和培训五个总体角度及六个具体管理环节 ,具体分析了中国商业银行的竞争策略。作者认为 ,中国网上银行的发展 ,关键在管理 ,特别是后台业务流程再造 ,而不是各种技术解决方案。

This paper discusses the issues on Chinese e-banks with the foreign banks′ entry from the view of macroeconomic effects of e-commerce,and the competition strategies of e-banks concerning programming,management,competition analysis,co-operation and training,and other management links.re-construction of service lines is more essential than the technologic resolving proposals for e-banks