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| 中国网上银行发展模式探讨 | |
| 引用本文： | 吴小强,邱菀华,刘晶.中国网上银行发展模式探讨[J].北京航空航天大学学报(社会科学版),2006,19(2):1-4. |
| 作者姓名： | 吴小强 邱菀华 刘晶 |
| 作者单位： | 1. 北京航空航天大学,经济管理学院,北京,100083 2. 中国工商银行,数据中心,北京,100096 |
| 基金项目： | 中国科学院资助项目，高等学校博士学科点专项科研项目 |
| 摘 要： | 阐述了中国网上银行发展中存在的问题，结合产品整体概念剖析网上银行产品及其特性，利 用Logit模型实证分析用户在网上银行渠道间偏好及模式间选择，提出银企直联、国际化、 内控化、产品创新化等网上银行发展的重要模式。 |
| 关 键 词： | 网上银行 模式 银企直联 银行渠道 |
| 文章编号： | 1008-2204(2006)02-0001-04 |
| 收稿时间： | 2005-01-04 |
| 修稿时间： | 2005年1月4日 |
On the Modes of Development for Internet Banking in China |
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| WU Xiao-qiang,QIU Wan-hua,LIU Jing.On the Modes of Development for Internet Banking in China[J].Journal of Beijing University of Aeronautics and Astronautics(Social Sciences Edition),2006,19(2):1-4. | |
| Authors: | WU Xiao-qiang QIU Wan-hua LIU Jing |
| Institution: | 1. School of Economics and Management, Beijing University of Aeronautics and As tronautics, Beijing 100083, China; 2. Data Consolidation Center, Industrial and Commercial Bank of China, Beijing 1 00096, China |
| Abstract: | The article begins with an examination of some problems that arise in the course of the development of internet banking in China,and then analyses internet banking as a modern financial product in the light of whole product conception.Furthermore,adopting the logit model,the article makes an empirical study of consumers' preference for internet banking,their choice of the mode of internet banking,and the perceived congruence between the distribution method and internet banking.Finally,some major modes of development for internet banking are proposed,such as host-to-host mode,internationalization,internal management and operation innovation. |
| Keywords: | internet banking mode host-to-host delivery channel |
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