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

　　　　　　　　　　電子銀行的機(jī)會(huì)和風(fēng)險(xiǎn)

摘要: 新技術(shù)為擴(kuò)展金融服務(wù)創(chuàng)造了大量的機(jī)會(huì)。領(lǐng)先的零售銀行正在提供網(wǎng)上銀行服務(wù)。電子銀行有可能通過(guò)更多的入門方式、更高的效率、更強(qiáng)大的競(jìng)爭(zhēng)力及創(chuàng)新精神，創(chuàng)造性地改變世界金融。當(dāng)然，這對(duì)客戶和銀行都有機(jī)遇，但也有風(fēng)險(xiǎn)。然而，在發(fā)展階段，我們必須找出能防止各種各樣風(fēng)險(xiǎn)的方法。本文集中分析電子銀行的益處和它的風(fēng)險(xiǎn)以及應(yīng)對(duì)措施。

關(guān)鍵詞：電子銀行；機(jī)遇；風(fēng)險(xiǎn)；安全性；應(yīng)對(duì)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

　　　　　　　　　　

提綱:

電子銀行的機(jī)會(huì)和風(fēng)險(xiǎn)

一、電子銀行的定義

二、電子銀行的機(jī)會(huì)

　　　1、為公司帶來(lái)的益處

　　?。?）入市障礙低

　　　（2）顯著減少成本 

　　?。?）加快運(yùn)作速度

　　　（4）提供更好的跨境銷售時(shí)機(jī)

　　　2、為顧客帶來(lái)的潛在益處

　　?。?）更多選擇

　　　（2）更方便

　　?。?）更具競(jìng)爭(zhēng)力

　　?。?）更多信息

　　　（5）更好的信息管理

　　?。?）更便捷的溝通

　　?。?）更快捷的服務(wù)

三、電子銀行的風(fēng)險(xiǎn)和應(yīng)對(duì)措施

　　　1、策略風(fēng)險(xiǎn)

　　　2、業(yè)務(wù)風(fēng)險(xiǎn)

　　　3、操作風(fēng)險(xiǎn)

　　　4、安全性風(fēng)險(xiǎn)

　　　5、商譽(yù)風(fēng)險(xiǎn)

四、結(jié)論