JOURNAL OF BEIJING UNIVERSITY OF AERONAUTICS AND A ›› 2006, Vol. 19 ›› Issue (2): 1-4.

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On the Modes of Development for Internet Banking in China

WU Xiao-qiang1, QIU Wan-hua1, LIU Jing2   

  1. 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
  • Received:2005-01-04 Online:2006-06-25 Published:2010-10-15

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 empiric al study of consumers preference for internet banking, their choice of the mo de of internet banking, and the perceived congruence between the distribution me thod and internet banking. Finally, some major modes of development for internet banking are proposed, such as host-to-host mode, internationalization, inter nal management and operation innovation

Key words: internet banking, mode, host-to-host, delivery channel

CLC Number: