中国的网络银行服务质量研究【外文翻译】

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1、外文翻译ResearchonservicequalityofChina’sinternetbankMaterialSource:51jobpapersnetsAuthor:AustraliaStudentPapers 1.1Researchbackground1.1.1Internetbankingmarkethashugepotential(1)ThenumberofInternetusers’rapidgrowthprovidesagoodfoundationforInternetbankingChina'sInterneteconomyin2006greetanewpeako

2、fdevelopment,accordingtothemarketresearchcompanyIRESEARACHsurveyinformationshowsthatin2006China'sInternetusersreached165million,representingagrowthof30percentcomparedwithlastyear.Itisexpectedthatin2007thenumberofInternetuserswillreach205.6million.ThenumberofInternetusers’rapidgrowthhasprovided

3、agoodfoundationforonlinebankinginChina.Source:Iresearch,www.iresearch.com.cn(2)InternetbankingbusinesshasincreasedrapidlyOnJune1996,theUnitedStatesbegantoInternetbanking,theneightmonthslater,theBankofChinaalsosetupwebsitesontheInternet,viatheInternettoprovidebankingservicestothecommunity,which

4、marksthefirstdomesticbankintheInternet,afternineyears,domesticonlinebankingisgrowinginanunprecedentedspeed,Internetbankingbusinessisrapidlyincreasing.Thisisshownincustomernumbersandtransactionamounttwoaspects.AccordingtomarketconsultingfirmIRESEARCH"China'sInternetBanking2006report"showsthatth

5、enumberofdomesticusersofInternetbankingin2001from2.15millionincreasesto18millionin2006,accountingfor16.9%ofthenumberofthewholeInternetusers.Itisexpectedin2007thisratiowillincreaseto21.7%.8Source:www.iresearch.com.cnWithInternetbanking’sdevelopmentinChina,thenumberofusersincreaseandthefrequency

6、ofuseincrease,China'sonlinebanktransactionsfrom2003’s23.3trillionYuanroseto49.3trillionYuanin2004,thegrowth103.2%comparedwithlastyear.AllfiguresindicatethatChina'sonlinebankingmarkethastremendouspotential.Itisexpectedthatfrom2005,theproportionofInternetbankingbusinesswillgraduallyaccountedfor2

7、0percentofbankingbusiness.Internetbankinginthemoderncommercialbankingoperationanddevelopmentwilloccupyanincreasinglyprominentposition.1.1.2ServicequalitywhichreflectsdifferencesofthekeycompetitiveadvantagesanddecisionfactorsinInternetba