电子银行好与坏.doc

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1、TheOpportunitiesandRisksOfElectronicBankingAbstractNewtechnologyiscreatingtremendousopportunitiesforexpandedaccesstofinancialservices.Aleadingretailbankisdeliveringanon-linebankingservice.Electronicbankinghasthepotentialtodramaticallychangetheworldoffinancethroughgreateraccess,moreefficiency,and

2、increasedcompetitionandinnovationetc.Certainlythereareopportunitiesandsignificantpotentialbenefitsforconsumersandbanks,buttherearealsorisks.Aswemakethetransitiontoe-banking,however,wemustfindwaystopreventeverykindofrisks.Thispaperhasfocusedontheanalysisofthepotentialbenefitsaswellastherisksine-b

3、anking.Keywords:electronicbanking;opportunities;risks;security;counter-measuresOutlineI.Thedefinitionofe-bankingII.Theopportunitiesofe-banking2.1Thebenefitstofirms2.1.1Opportunitiesforsignificantcostreduction2.1.2Largepotentialcustomers2.1.3Capacitytorapidlyre-engineerbusinessprocesses2.1.4Compr

4、ehensiveandstrongbusiness2.1.5Greateropportunitiestosellcrossborder2.2Thepotentialbenefitstoconsumers2.2.1Betterconvenience2.2.2Moreinformation2.2.3Bettercommunications2.2.4FasterserviceIII.Therisksofe-bankingandcounter-measures3.1risks3.1.1Strategicrisks3.1.2Technologyrisks3.1.3Businessrisks3.1

5、.4Brandvaluesrisks3.2Copingstrategies3.2.1Strengtheninginfrastructureconstruction3.2.2Enhancesafetyawareness3.2.3Strengtheninternalmanagement3.2.4StrengthenthelegalsystemⅣ.ConclusionText:TheOpportunitiesandRisksofElectronicBankingI.Thedefinitionofe-bankingE-bankingisafinancialservicesmodelusingo

6、fcomputers,telephonesandmobilephonesforself-serviceofbanking,especiallyreferstobankdepositsloans,transfers,payments,inquiries,andallormostofthebusinesswhichmakeuseofcomputers,communication,networkingandothermoderntechnology.Currently,e-bankingincludesonlinebanking,telephonebankingandmobilebankin

7、g.II.Theopportunitiesofe-banking2.1Thebenefitstofirms2.1.1Opportunitiesforsignificantcostreduction.Businessoperatingcosts,maintenancecostsgettinglowerandlower.E-bankingservicesmodelhasreducedbusinessoperatingcostsofcommercia