直销银行国际经验借鉴与中国实践探索

The Reference to the International Experience of the Direct Banks and the Practice and Exploration in China

随着我国互联网金融高速发展和金融改革步伐的加快,"直销银行"进入了公众视野。"直销银行"对传统商业银行业务模式具有颠覆性、替代性,是银行业发展史上的一次重大变革。本文充分考察了ING Direct、First Direct等国际知名直销银行的发展情况,探讨了直销银行的基本特点,并对我国发展直销银行的可行性进行论证,为我国银行业未来发展创新提供新的思路。

Along with the high-speed development of the internet finance and the acceleration of the financial reform in China,'direct bank'has attracted the public.'Direct bank'drastically changes and substitutes the traditional commercial banking business model, and is a major change in the history of the development of the banking sector. The paper fully investigates the development of ING Direct and First Direct which are internationally well-known direct banks, discusses the basic characteristics of the direct banks,and argues the feasibility for China to develop direct banks, which provides new ideas for the future development of China's banking sector innovation.