中美网上银行发展的对比与思考

我国的银行业在信息技术的推动下进入了新的阶段。电子银行，特别是电子银行中的网上银行业务得到了如火如荼的发展。网上银行的灵活、高效和多样化服务注定了它将成为银行传统营业模式的分水岭。     

我国网上银行发展的基本问题初探

中国加入WTO,金融市场领域的逐步开放,中国的银行业将面临外资银行良好的信誉、优质的服务等多方面的挑战,我们的银行业必须开辟新的发展空间,而网上银行就是一个比较合适的选择.文章关注国外网上银行业的发展现状,分析了网上银行得以迅速发展的动因,及我国发展网上银行所存在的问题,并结合实际给出解决的办法.     

探讨网上银行在我国的应用与发展

随着计算机技术的迅速发展,我国的银行业发生了重大的历史变革,以网上银行为代表的电子商务活动开始被广泛应用,一种新型的银行服务系统正在逐步形成并发展壮大,给我国的银行业注入了新的活力。但是网上银行作为一种新型的服务手段和组织形式,在拥有巨大发展潜力的同时也面临全新的不可预知的挑战,如何使网上银行更好地服务于社会经济的需求,使我国的网上银行走上更加健康稳定的发展道路,是目前值得大家思考的重大课题之一。     

假冒网上银行所引发的法律问题及对策

网上银行因其“方便、快捷、安全”等特点越来越受到人们欢迎。但最近假冒网上银行出现,金融诈骗事件频频发生,重创了正在如火如荼发展的网上银行业务,让客户对网上银行资金安全产生疑虑。银行部门要采取切实措施加强网上银行安全管理,培养网上银行人才,进一步提高技术支持服务水平,不断建立和完善网上银行的法律法规,与此同时网上银行的客户应加强安全防范意识。在多方的共同努力下,相信“李鬼”现象会销声匿迹,网上银行的安全能够得到切实保障。     

网上银行的安全性分析与研究

随着网上银行的迅速发展,其安全问题倍受关注。结合网上银行的发展现状,研究分析了网上银行采用的安全技术,并对其今后的发展进行了展望。     

网上银行系统的研究与实现

伴随着科技发展的日新月异,电子商务在很短的时间内迅速风靡了全球,引发了网络经济的热潮,网上银行应运而生。网上银行是银行通过互联网向公众提供各种金融服务的电子银行系统,它使客户可以不受时空限制,足不出户便可以通过网络进行申请、查询、管理、转账等银行业务,体验网上经济新生活。本文介绍了ASP技术和数据库等方面的基础知识,主要分析了后台对公对私以及系统设定等各个管理模块的功能及实现方法,就网上银行系统的设计与实现进行了简单的介绍。     

我国网上银行的业务创新研究

本文首先阐明了业务创新对网上银行发展的必要性。因为业务创新是网上银行发展的生命力和基础，所以我国网上银行只有在创新中才能不断壮大和发展。流程整合、经营模式和客户需求是影响网上银行业务创新的主要因素，本文对这些因素分别进行分析，提出相关的解决策略。指出只有将流程整合、经营模式和客户需求这三个最基本的因素有机地结合在一起，才能达到业务创新的目的。     

我国网上银行业务发展的区域性特征分析

通过比较分析发达地区和西部地区的网上银行业务,指出我国网上银行业务发展区域性特征所引发的主要问题,提出了发展我国西部网上银行业务的创新策略。     

关于发展上海黑白感光材料的建议

<正>我们都是感光材料行业离退休的高级工程师,从事感光材料三、四十年。 感光材料是现代社会的一种重要信息记录材料,而且又是大量的消耗材料。它已渗透到国民经济、科学技术、国防建设和人民生活各个方面,用途十分广泛,现在进入了电子信息时代,就更离不开感光材料。在国际上已发展成为     

Modelling internet banking adoption in Fiji: A developing country perspective

The purpose of this study is to investigate the behavioral intention to adopt internet banking (IB) by individuals under the influence of user espoused cultural values in Fiji. A conceptual framework is developed by extending the Unified Theory of Acceptance and Use of Technology (UTAUT) model, incorporating customer satisfaction and perceived risk constructs and cultural moderators of individualism and uncertainty avoidance. This research adopts a quantitative approach and collects data from 530 respondents. The proposed model is tested using structural equation modelling. The empirical results obtained suggest that IB adoption is positively influenced by the levels of performance expectancy, effort expectancy, social influence and facilitating conditions while perceived risk negatively influences IB usage intention. IB intention was found to positively impact usage behavior which ultimately impacts customer satisfaction. This study also reveals that uncertainty avoidance dampens the influence of performance expectancy and facilitating conditions on IB adoption intention. The study highlights the importance of individual’s cultural values in promoting IB adoption. It contributes to the literature by extending and testing a comprehensive research model to better understand IB behavior.     

Users as innovators in developing countries: The global sources of innovation and diffusion in mobile banking services

This paper examines the extent to which users in developing countries innovate, the factors that enable these innovations and whether they are meaningful on a global stage. To study this issue, we conducted an empirical investigation into the origin and types of innovations in financial services offered via mobile phones, a global, multi-billion-dollar industry in which developing economies play an important role. We used the complete list of mobile financial services, as reported by the GSM Association, and collected detailed histories of the development of the services and their innovation process. Our analysis, the first of its kind, shows that 85% of the innovations in this field originated in developing countries. We also conclude that, at least 50% of all mobile financial services were pioneered by users, approximately 45% by producers, and the remaining were jointly developed by users and producers. The main factors contributing to these innovations to occur in developing countries are the high levels of need, the existence of flexible platforms, in combination with increased access to information and communication technology. Additionally, services developed by users diffused at more than double the rate of producer-innovations. Finally, we observe that three-quarters of the innovations that originated in non-OECD countries have already diffused to OECD countries, and that the (user) innovations are therefore globally meaningful. This study suggests that the traditional North-to-South diffusion framework fails to explain these new sources of innovation and may require re-examination.     

虚拟企业优势与其IT支持

随着经济全球化和信息全球化的不断发展,反应敏捷、资源整合及高效利用已成为企业长远发展所必须实现的关键能力,在网络技术的壮大和支撑下,虚拟企业已成为众多企业寻求突破的明智选择,然而在这个虚拟企业的系统中如何利用网络技术、信息技术将人、信息及其他各种关键资源进行优化配置．并保证系统中各方信息流动的效率,是保障虚拟企业进一步协调发展的重要问题,文章就虚拟企业的优势与现在信息技术（IT）的优势融合方面的应用做了分析与总结。     

论复合图书馆对信息结构的优化功能

介绍了复合图书馆的发展历程与研究状态,分析了复合图书馆的属性、结构和功能,阐述了复合图书馆的结构优势和理性发展前景.     

Competition and challenges of mobile banking: A systematic review of major bank models in the Thai banking industry

This study investigates the competition and challenges of mobile banking system in Thailand. The analyses of the competitive landscape of mobile banking innovations are based on the Managing Migration Paths Model. The empirical study focuses on the leading banks in Thailand: Bangkok Bank, Kasikorn Bank, Siam Commercial Bank, Krung Thai Bank and Bank of Ayudhya. The study discusses the strategies, SWOT analyses of the mobile banking industry in the move towards the m-money economy. The results have shown that banks see mobile banking as a convenient delivery channel to provide value-added services to the bank customers. The competition forces banks to seek strategic alliances (network collaboration between the banking and ICT industries) to offer innovative solutions in the payment market. The results provide insightful implications on future challenges and increasing competition under 3G and 4G mobile phone networks whereby the e-payment market will get bigger when Thailand would enter the ASEAN Economic Community (AEC — upcoming regional competition in AEC countries) in 2015.     

中小企业集群融资障碍和优势

中小企业作为国内一个重要的经济个体,长期以来一直遭受着不公平、不公正的待遇,中小企业融资难是困扰中小企业发展的主要问题。中小企业集群的融资优势十分明显,但目前我国企业集群的融资优势并未充分发挥出来。充分发挥企业集群的融资优势,彻底解决中小企业融资的关键是大力推进和中小商业银行的快速发展。     

中国银行业商标保护存在的问题及对策

从论述银行商标保护的重要性开始,通过外资银行商标保护介绍,揭示国内银行商标保护存在的问题,针对具体情况提出对策,即通过强化银行商标保护意识并设置专门管理机构和管理人员、制定银行业的商标战略、及时进行到期商标续展、提高商标设计水平、加强商标的宣传力度、重视防御商标的注册来进行银行业商标保护。     

残疾人失业现状的分析及建议

实现残疾人劳动权利不仅是从生存价值,更是在人格尊严的基础上弥补残疾人自身缺陷所带来的不幸.根据我国"十五"期间残疾人就业的数据为基础,结合残疾人失业现状结合其自身的特点深入分析我国残疾人失业形成原因.通过完善特殊法规、合理使用就业保障金、加强自身素质和劳动能力等措施保证其就业权的实现,保障残疾人平等充分参与社会生活.     

利用网络优势 改革大学英语教学

随着学生人数的增加和学生水平的分化,网络自主学习成为大学英语教学的发展方向。本文基于建构主义的理论基础,提出了网络教学的具体实施步骤,对教学实践有一定的指导意义。