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1、}jinr屯、掌5004年度罔等掌力申蕾马【士掌位世文中国网络银行业发展策略研究专业：政治经济指导教师：蓝发钦教授学员姓名：赵宇舟华东师范大学商学院中国网络银行菲发展策略研究英文摘要actWiththedeform,whsedonlhelnkingLoLhsbecomeaneshaveseveveichpmenta1argnleracLtechnology,LheeNeIBankinevitab1etrendfortheindustera1（）（）（）ontechnologyrLionoflradilionalry.TheNetBankservoverwhelmingadvantages
2、overtraditiona1ones,1ikeso—ca11edUAAAservicesloweroperatingcost,anddiversifiedtailor—madeservicesaswel1.A1thoughNetBankmaynottakcplaceoftraditionalbankinginshortterm,itdoesbccomingadominantaspectinthedevelopmentofbankingindustry,andexertingasubt1einfluenceonlifeigatedinthegeneralrulesofNetBanksty
3、les.Afterthoroughlyinvessbusinesscompos•1ngdeve10Pmentpatternsandphases,andthecurrents■1tuationthatNetBank•sfacing9Isuggestedthatfourfactors,frombanks'asPec:t,haveecomethema•J()r0bstac1es0fthedeve1oPmentCh•na9sNetBankserviceS:bainksdonothavematurestrateg•1esf0rthedeVe10Pment0fNetBank,andsimp1ybet
4、imescrv•1ng;thcy1ack0feffic■1entmarketingandcompetit•1Ves1xategies；Domest■1cbanksa1en0tadeptatcostmanagementtheirexpendituresonNetBankusua11yexceedthcirbudgcts；thebanks1ackofr•skc0ntro1systems.WithregardtothecurrentdevelopmentofChina'sNetBank,IdevotesomestudyonthcgapbctwcendomcsticNetBankandthato
5、fothercountrics,a)sothcinternalandextema1factorsthatarousedthisgap.Basingonthesystematica1ana1ysisoftheNetBank,1think：NetBankisnotathreatbutagreatopportunityfordomesticbanks,theopportunitytofi11thegapbetweendomesticbanksandinternationalbanks・Idiscussedaboutthefuturedeve]opmentofdomesticNetBankfro
6、mstrategyandrisk—contro1:I.DomesticbanksshouldsetupintegratedcompetitivestrategiesforNetBank・Undertheguidelineofservingthedevelopmentofthebankasawho1e,abankshould中国网络银行业发展策略研究英文摘要R&D,E—c4)mmece,HRandmanageme2•C0mp;ar•1ngaVem0riestr•requ•1rements0nrctiyc0nnectcdw•JthedeVe1opment0re1at•0n、sh•Pam0te
7、Chn010gymd也theSeCur<1Lthand1ethiev•rtuafectedr•1.skmanagsystem0fC0mmerc•1csa1cccsscnt•1afacI0rs.nt•1hna1w•1tt1traditiona1banking•NetBanksha11hngent•1skcontr01・andthcqua1ityofr•1skcontr01direti1fNetBank.1suggestthat,rec
