Advantages of online banking
Online banking or electronic banking has two meanings. One is the concept of institution, which refers to banks that operate their business through information networks. The other is the concept of business, which refers to the financial services provided by banks through information networks, including traditional banking services and emerging services brought by the application of information technology.
In daily life and work, what we refer to as online banking is more of a secondary concept, that is, the concept of online banking service. Online banking is not only a simple transfer of traditional banking products from the Internet, but also some changes have taken place in other service modes and connotations, and new business varieties have emerged due to the application of information technology.
Fully realize paperless trading
Most of the bills and documents used before were replaced by electronic checks, electronic bills of exchange and electronic receipts; The original paper money was replaced by electronic money, that is, electronic cash, electronic wallet and electronic credit card; The original paper document is sent by mail through the data communication network.
High service quality
Through online banking, users can enjoy convenient, fast, efficient and reliable all-round services. You can use the online banking service whenever and wherever you need it.
Low operating cost
Due to the adoption of virtual reality information processing technology in online banking, online banking can reduce the number of business points without reducing the original business volume.
Simple and easy to use
Online e-mail communication is also very flexible and convenient, which is convenient for communication between customers and banks and within banks. Compared with traditional banks, online banking has many advantages.
First, greatly reduce the operating costs of banks and effectively improve profitability. Online banking mainly uses public network resources, without setting up physical branches or business outlets, which reduces personnel costs and improves the efficiency of bank back-office systems.
Second, there is no time and space constraints, which is conducive to expanding the customer base. Online banking has broken the geographical and time constraints of traditional banking business, and has the characteristics of 3A, that is, it can provide financial services to customers at any time (at any time), anywhere (in any case) and in any way (in any case), which is not only conducive to attracting and retaining high-quality customers, but also actively expanding the customer base and opening up new profit sources.
Third, it is conducive to service innovation and provides customers with diversified and personalized services. Selling financial products such as insurance, securities and funds through bank outlets is often greatly restricted, mainly because it is difficult for ordinary outlets to provide customers with detailed and low-cost information consulting services. Using the Internet and bank payment system, it is easy to meet the needs of customers for consulting, buying and trading various financial products. In addition to banking, customers can easily buy and sell stocks and bonds online, and online banking can provide customers with more suitable personalized financial services.
developmental pattern
One is an invisible electronic bank that relies entirely on the internet, also known as? Virtual bank? ; The so-called virtual bank refers to the online bank without the support of the actual physical counter. This kind of online bank generally has only one office address, no branches and business outlets, and uses high-tech services such as the Internet to establish close contact with customers and provide all-round financial services.
Take the American Security First Online Bank as an example. Established in June 1995 and June 10. It is the first virtual online bank in the United States without a business outlet. Its business hall is a web screen. At that time, the bank had only 19 employees, whose main job was to maintain and manage the network.
The other is based on the existing traditional banks, using the Internet to carry out traditional banking transaction services. That is, traditional banks use the Internet as a new service means to provide online services for customers, which is actually an extension of traditional banking services on the Internet. This is the main form of online banking at present, and it is also the development model of online banking adopted by most commercial banks.
Disadvantages of online banking
Disadvantages: too risky. In addition to all the risks of traditional banking, such as credit risk, market risk, liquidity risk, transaction risk, legal risk, foreign exchange risk, strategic risk and reputation risk, online banking has also produced some new risks and problems, such as network security risk, serious operational risk and potential debt, and consumer rights protection.
Take the following measures to prevent risks: 1. Improve the security of the trading network. 2. Strengthen the protection of consumer rights. 3. Strengthen international regulatory cooperation.
The development of online banking
First, laws and regulations are out of touch with actual needs.
Online banking is still a part of economic and financial activities, which cannot be separated from the regulation and protection of laws. It is difficult for the current laws to regulate the development of online banking and protect consumers' rights and interests. As long as there is an error in one link of online fund transfer, the funds will not be paid normally, and legal disputes will occur, which requires legal adjustment.
Second, security issues are very prominent.
The confidentiality, authenticity, integrity and non-repudiation of relevant information are the most critical factors in trading through the Internet. When there are no laws and regulations in China to deal with these cyber crimes that do not cause harm or are less harmful, how to ensure the security of transactions and keep secrets for individuals has become the most urgent problem to be solved in the development of online banking.
Although all commercial banks have taken certain security measures and formulated corresponding regulations, there are widespread phenomena of lax management in the implementation, such as password storage and regular replacement, security management of main computer room, disaster backup, virus prevention and so on.
Third, the financial network construction lacks overall planning.
As far as the basic environment of domestic online banking business is concerned, due to the backward infrastructure, some customers still have to adopt the way of "online ordering and offline payment" when conducting online transactions.
Although the four major commercial banks of industry, agriculture, China and China have established their own websites, the framework and service content of the websites are still far from the requirements of e-commerce and network economy.
The investment in capital and personnel is seriously insufficient, and the combination between banks and high-tech industries is not close, which leads to the small scale, low technical level and small coverage of the online financial market, which basically stays in the computerization of traditional business. At the same time, the network construction of commercial banks and even the whole financial industry lacks overall planning, and the software and hardware used lack unified standards, let alone a complete and comprehensive online information system.
Fourthly, the supervision consciousness and the existing supervision methods are lagging behind.
The existing supervision of commercial banks by the central bank is mainly aimed at traditional banks, and the key point is to increase or decrease the index of banking institutions' outlets, check and audit business vouchers and statements.
In the era of online banking, paperless accounting revenue and expenditure, abstract processing flow, virtualization of institutional outlets and substantial increase in business content have greatly reduced the efficiency, quality and radiation of existing supervision methods, and the authenticity, comprehensiveness and authority of supervision information are facing severe challenges, which will lead to major changes in banking service supervision based on the Internet.
Introduction to the characteristics of online banking
Enterprise online flow chart
1. Fully realize paperless trading.
Most of the bills and documents used before were replaced by electronic checks, electronic bills of exchange and electronic receipts; The original paper money was replaced by electronic money, that is, electronic cash, electronic wallet and electronic credit card; The original paper document is sent by mail through the data communication network.
2. The service is convenient, fast, efficient and reliable.
Through online banking, users can enjoy convenient, fast, efficient and reliable all-round services. You can use the online banking service whenever and wherever you need it.
3. Low operating cost.
Due to the adoption of virtual reality information processing technology in online banking, online banking can reduce the number of business points without reducing the original business volume.
4. Simple and easy to use.
Online e-mail communication is also very flexible and convenient, which is convenient for communication between customers and banks and within banks.
Compared with traditional banks, online banking has many advantages.
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