网络银行和第三方支付体系货币金融学.docVIP

The Internet Bank and The Third-party Payment Systems 1. The Internet Bank (1)The generation and development of the internet bank The improvement in computer and telecommunications technology stimulate the innovation of financial and the evolution of the banking industry. This information technology has lowered the cost of processing financial transactions, making it profitable for financial institutions to create new financial products and services for the public. They also make it easier for investors to acquire information, thereby making it easier for firms to issue securities. One of innovations is electronic banking facility. With the drop in the price of personal computers and their increasing presence in the home, a new type of banking institution was created, that is internet banking. The internet bank offer an array of banking services on the internet and enables the customer to share these convenient transactions at home 24 hours a day. There are two patterns of internet banks development. One is entirely depending on the Internet, an invisible electronic banking, also known as virtual banks, which a bank that has no physical location but rather exists only in cyberspace. The other one is based on the existed conventional banks and open traditional banking transactions through internet. Traditional banking services use the Internet as a new ways to provide online services; actually the Internet is an extension of traditional banking services. This is the main form of online banking which most commercial banks decided to develop. In addition to technology development, the driving causes also include the need for business expansion. But maybe the key factor is that the banks are pursuing to maximize profit. Generally speaking, up to now the main services of online banking include basic business (such as online check account balances, transaction history, download data, transfer), online investment, online shopping, personal finance assistant, corporate