我国网上银行的业务创新研究

Chinese Electronic Banking Innovative Operation Study

本文首先阐明了业务创新对网上银行发展的必要性。因为业务创新是网上银行发展的生命力和基础 ,所以我国网上银行只有在创新中才能不断壮大和发展。流程整合、经营模式和客户需求是影响网上银行业务创新的主要因素 ,本文对这些因素分别进行分析 ,提出相关的解决策略。指出只有将流程整合、经营模式和客户需求这三个最基本的因素有机地结合在一起 ,才能达到业务创新的目的。

This paper first states the necessity of innovative operation for the growth of Chinese electronic-bank, since it is the source power and basis for the development of the electronic-bank. Only with the innovative operation, could Chinese electronic-bank develop better and better. Process combination, operation pattern and client's request are the three main factors that have great impact on the electronic-banking innovative operation. The paper analyzes those three factors respectively and puts forward relevant solutions. The paper states that when the process combination,operation pattern and client's request are considered organically, Chinese electronic-bank can realize its innovative operation.