The developing situation and empirical study of domestic network bank

• Main Author: 王筱鈴
• Other Authors: 楊清溪
• Format: Others
• Language: zh-TW
• Published: 2001
• Online Access: http://ndltd.ncl.edu.tw/handle/41404028446677458929

碩士 === 國立臺北大學 === 會計學系 === 89 === Since the virtual banks have operated successfully oversea, the global bankers all want to follow this trend to extend their market and increase customers. Our bankers have invested in developing network bank for several years. Compare with domestic network brokers, only few people really use network bank to cope with their financial matters. In addition, the limits of law also make the domestic network banks hesitate. To understand the reason why our network banks develop slowly, this research analyzed domestic bankers who have already developed online financial service to find out the impedimental factors of developing network bank. Furthermore, the research compared the advantages of traditional bank with network bank to generalize the benefits of developing network bank. According to domestic economic environment and our bankers'' situation to probe into the essential factors that influence the development of network bank. By using questionnaires and statistic methods to precede empirical study, the results of this research will be: I.In the aspect of impedimental factors, the main obstructs include: 1.The acceptance of customers to precede their financial businesses via the Internet. 2.In the process to develop network bank, the external impedimental factors, such as regulations and the E-commerce environment, have stronger influence. 3.To adjust the cost construct and reduce operating cost effectively. 4.In the aspect of inner impedimental factors, the ability to unite computer system is the most important inner impedimental factor. II.Compare with traditional bank, the benefits of developing network bank include: 1.To reduce bank''s operating cost and increase revenue. 2.To provide more complete and more various financial products to their customers, and enhance the quality and efficiency of service. 3.To unite computer system and raise the operating performance. III.The essential factor that could influence the development of network bank includes: 1.The establishment of assurance association. 2.The safety of online transactions. 3.The support of manager. 4.To provide complete and various financial products and service. 5.To coordinate the entire strategic target