21世纪商业银行发展的新趋势

随着网络经济的形成和电子商务的迅猛发展 ,金融业的竞争日趋激烈。为保持其竞争优势 ,商业银行积极设立网络银行开展网上银行业务。网络银行的高速发展 ,使 2 1世纪的商业银行出现了组织结构虚拟化、以客户为导向的营销方式、建立适应电子商务环境的 Internet支付系统、发行和经营电子货币以及强化全面风险管理等新趋势

New Developing Tendency of the Commercial Bank On 21 st Century

With the forming of Web economy and the rapid development of E commerce, the competition in finance is becoming increasingly intense. To keep the advanced position in competition, it is ought that the commercial banks actively set up Web bank to carry out bank business on Internet. The rapid development of Web band has brought about the new tendencies of dummy organizational structure, customer oriented marketing style, establishment of lnternet payment system adapting to E commerce environment, distribution and management of electrical currency and strengthening of whole risk management.