The meaning of electronic banks Telectronic banking e-Bank, literally translated electronic banking, also known as online banking, which is a virtual bank counter on the Internet. The basic organizational form of domestic online banking The online payment requires the electronic industry of the financial industry. The establishment of E-BANK (Bank) has become the general trend. 1 is uniformly provided by a bank's head office, and all transactions are completed by the server of the head office. The branches only accept the application of on -site account opening and issue relevant software and hardware; The branch has a URL unit and connected to each other. The customer transactions are completed by the local server. The data is connected to the head office through the internal network of the bank. The head office will transmit relevant data to other branches server to complete the transaction process. The first model is represented by Industrial and Commercial Bank of China, Bank of China and CITIC Industrial Bank; the second model is adopted by CCB and China Merchants Bank. The form of network banking form The physical business venue according to whether it has it: The world's first online banking in the world established on October 18, 1995 -Security First Online Banking (SFNB -Security First Network Bank), also known as a virtual online bank or pure online banking. The online banks generally have only one specific office space, without specific branches, business counters, and business staff. The success of this type of bank is mainly based on business outsourcing and banking alliances to reduce costs. The other is an online banking developed from traditional banks. Such banks are branches of traditional banks and are banks that were opened by the original banks using the Internet. It is equivalent to a new outlet opened by traditional banks, but it surpasses the traditional form, because its region is wider than the original. Many customers can handle the original counter business through the Internet; the proportion of this type of online banking accounts for 95 % of online banking. The current status of online banking development in my country In 1997, China Merchants Bank took the lead in launching the online banking "One Netcom", becoming a market guide for China's online banking business. since March 1998, Bank of China took the lead in opening online banking services in China. In April 1999, the Construction Bank launched an online banking and tried it in my country's Beijing, Guangzhou, Sichuan, Shenzhen, Chongqing, Ningbo, and Qingdao, which marked a substantial step in the construction of online banking in my country. In recent years, the Bank of China, CCB, ICBC, etc. have successively launched online banking, opening up online payment, online self -help transfer, and online payment, which has initially realized real online financial services. In September 1999, the online banking business of the enterprise was opened, and this part of the business officially entered the track in 2000. China Merchants Bank quietly started its personal banking business of "one -cartoon" stock trading, which added another sum to the development of electronic banks. It online business introduction 1, China Merchants Bank (http: //). In April 1997, China Merchants Bank officially established its own website to become the first domestic bank in China. In February 1998, online banking "One Netcom" was launched. On September 6, 1999, China Merchants Bank signed an e -commerce comprehensive cooperation agreement with China Post and Telecommunications General Administration, Southern Airlines and Sina.com in Beijing. At this point, China Merchants Bank has taken the lead in launching online banking business across the country. In March 2001, China Merchants Bank also launched a professional bank professional version of the online bank with the world's more advanced level V2.0. According to the People's Daily Online, China Merchants Bank, as a pioneer of online banks, has reached 20,000 customers in online banking as of May 2001, involving a transaction amount of RMB 1 trillion.
2, Bank of China (http: //). In June 1999, Bank of China officially launched online banking products. On May 15, 2000, the Bank of China took the lead in opening the business that provided online banking services through cable TV- "Home Bank". It is based on the cable TV video broadband network. Bank business. At present, the service target of the "Home Bank" mainly includes the use of the China Bank of China Telephone Banking and the user who applied for the Guangdong Video Broadband Network. The next step will be gradually promoted to users in other regions. "Home Bank" has gradually established a relatively complete and mature online banking system composed of corporate banks, personal banks, online securities, online malls, and online payment.
3, China Construction Bank (). On August 4, 1999, China Construction Bank officially launched online banking services. Construction Bank's online banking services use an international standard identity authentication system and the most advanced security encryption technology to ensure the security of online transactions. The first batch of cities for the opening of online banking services for the Bank are Beijing and Guangzhou. It is expected that Shenzhen and Shanghai will also open online banking services in the near future. As of the end of June 2001, CCB's online banking has covered 1,15 large and medium -sized cities in China, and online banking customers have reached 50,000. The average monthly trading pen and transaction amount were 56,000 and 24 million yuan, respectively, both of which were ten times the same period last year.
4, Industrial and Commercial Bank of China (). ICBC, which has 8.1 million industrial and commercial enterprise accounts, maintains long -term and good cooperative relationships with more than 40,000 households, and more than 50 % of the settlement business accounts for more than 50 % of the national financial system.
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The meaning of electronic banks
Telectronic banking
e-Bank, literally translated electronic banking, also known as online banking, which is a virtual bank counter on the Internet.
The basic organizational form of domestic online banking
The online payment requires the electronic industry of the financial industry. The establishment of E-BANK (Bank) has become the general trend.
1 is uniformly provided by a bank's head office, and all transactions are completed by the server of the head office. The branches only accept the application of on -site account opening and issue relevant software and hardware; The branch has a URL unit and connected to each other. The customer transactions are completed by the local server. The data is connected to the head office through the internal network of the bank. The head office will transmit relevant data to other branches server to complete the transaction process.
The first model is represented by Industrial and Commercial Bank of China, Bank of China and CITIC Industrial Bank; the second model is adopted by CCB and China Merchants Bank.
The form of network banking form
The physical business venue according to whether it has it:
The world's first online banking in the world established on October 18, 1995 -Security First Online Banking (SFNB -Security First Network Bank), also known as a virtual online bank or pure online banking.
The online banks generally have only one specific office space, without specific branches, business counters, and business staff. The success of this type of bank is mainly based on business outsourcing and banking alliances to reduce costs.
The other is an online banking developed from traditional banks. Such banks are branches of traditional banks and are banks that were opened by the original banks using the Internet. It is equivalent to a new outlet opened by traditional banks, but it surpasses the traditional form, because its region is wider than the original. Many customers can handle the original counter business through the Internet; the proportion of this type of online banking accounts for 95 % of online banking.
The current status of online banking development in my country
In 1997, China Merchants Bank took the lead in launching the online banking "One Netcom", becoming a market guide for China's online banking business.
since March 1998, Bank of China took the lead in opening online banking services in China. In April 1999, the Construction Bank launched an online banking and tried it in my country's Beijing, Guangzhou, Sichuan, Shenzhen, Chongqing, Ningbo, and Qingdao, which marked a substantial step in the construction of online banking in my country.
In recent years, the Bank of China, CCB, ICBC, etc. have successively launched online banking, opening up online payment, online self -help transfer, and online payment, which has initially realized real online financial services.
In September 1999, the online banking business of the enterprise was opened, and this part of the business officially entered the track in 2000. China Merchants Bank quietly started its personal banking business of "one -cartoon" stock trading, which added another sum to the development of electronic banks.
It online business introduction
1, China Merchants Bank (http: //). In April 1997, China Merchants Bank officially established its own website to become the first domestic bank in China. In February 1998, online banking "One Netcom" was launched. On September 6, 1999, China Merchants Bank signed an e -commerce comprehensive cooperation agreement with China Post and Telecommunications General Administration, Southern Airlines and Sina.com in Beijing. At this point, China Merchants Bank has taken the lead in launching online banking business across the country. In March 2001, China Merchants Bank also launched a professional bank professional version of the online bank with the world's more advanced level V2.0. According to the People's Daily Online, China Merchants Bank, as a pioneer of online banks, has reached 20,000 customers in online banking as of May 2001, involving a transaction amount of RMB 1 trillion.
2, Bank of China (http: //). In June 1999, Bank of China officially launched online banking products. On May 15, 2000, the Bank of China took the lead in opening the business that provided online banking services through cable TV- "Home Bank". It is based on the cable TV video broadband network. Bank business. At present, the service target of the "Home Bank" mainly includes the use of the China Bank of China Telephone Banking and the user who applied for the Guangdong Video Broadband Network. The next step will be gradually promoted to users in other regions. "Home Bank" has gradually established a relatively complete and mature online banking system composed of corporate banks, personal banks, online securities, online malls, and online payment.
3, China Construction Bank (). On August 4, 1999, China Construction Bank officially launched online banking services. Construction Bank's online banking services use an international standard identity authentication system and the most advanced security encryption technology to ensure the security of online transactions. The first batch of cities for the opening of online banking services for the Bank are Beijing and Guangzhou. It is expected that Shenzhen and Shanghai will also open online banking services in the near future. As of the end of June 2001, CCB's online banking has covered 1,15 large and medium -sized cities in China, and online banking customers have reached 50,000. The average monthly trading pen and transaction amount were 56,000 and 24 million yuan, respectively, both of which were ten times the same period last year.
4, Industrial and Commercial Bank of China (). ICBC, which has 8.1 million industrial and commercial enterprise accounts, maintains long -term and good cooperative relationships with more than 40,000 households, and more than 50 % of the settlement business accounts for more than 50 % of the national financial system.