电子银行带来的机会和风险.doc

The Opportunities and Risks of Electronic Banking

Abstract: New technology is creating tremendous opportunities for expanded access to financial services. A leading retail bank is delivering an on-line banking service.  Electronic banking has the potential to dramatically change the world of finance through greater access, more efficiency, and increased competition and innovation etc. Certainly there are opportunities and significant potential benefits for consumers and banks, but there are also risks. As we make the transition to e-banking, however, we must find ways to prevent every kind of risks. This paper has focused on the analysis of the potential benefits as well as the risks in e-banking.

Key words: Electronic banking; Opportunities; Risks; Security; Counter-measures

　　　　　　　　　　电子银行的机会和风险

摘要: 新技术为扩展金融服务创造了大量的机会。领先的零售银行正在提供网上银行服务。电子银行有可能通过更多的入门方式、更高的效率、更强大的竞争力及创新精神，创造性地改变世界金融。当然，这对客户和银行都有机遇，但也有风险。然而，在发展阶段，我们必须找出能防止各种各样风险的方法。本文集中分析电子银行的益处和它的风险以及应对措施。

关键词：电子银行；机遇；风险；安全性；应对措施

Outline

The Opportunities and Risks 

of Electronic Banking

I.The definition of e-banking

II. The opportunities of e-banking

2.1 The benefits to firms

2.1.1 Different and arguably lower barriers to entry

2.1.2 Opportunities for significant cost reduction

2.1.3 The capacity to rapidly re-engineer business processes

2.1.4 Greater opportunities to sell across border

2.2 The potential benefits to customers

2.2.1 More choices

2.2.2 Better convenience

2.2.3 Greater competition and better value for money

2.2.4 More information

2.2.5 Better tools to manage and compare information

2.2.6 Better communications

2.2.7 Faster service

Ⅲ. The risks and counter-measures

3.1 Strategic risks

3.2 Business risks

3.3 Operation risks

3.4 Security risks

3.5 Brand values risks

Ⅳ. Conclusion

　　　　　　　　　　

提纲:

电子银行的机会和风险

一、电子银行的定义

二、电子银行的机会

　　　1、为公司带来的益处

　　　（1）入市障碍低

　　　（2）显著减少成本 

　　　（3）加快运作速度

　　　（4）提供更好的跨境销售时机

　　　2、为顾客带来的潜在益处

　　　（1）更多选择

　　　（2）更方便

　　　（3）更具竞争力

　　　（4）更多信息

　　　（5）更好的信息管理

　　　（6）更便捷的沟通

　　　（7）更快捷的服务

三、电子银行的风险和应对措施

　　　1、策略风险

　　　2、业务风险

　　　3、操作风险

　　　4、安全性风险

　　　5、商誉风险

四、结论