06.09.2019
 E-Banking: Craze, Status, Problems and Coverage Issues Composition

E-Banking: Status, Tendencies, Challenges and Policy Issues

November 2003

MU Yibin Financial Economist The World Bank

Paper shown at CBRC Seminar The expansion and Oversight of E-banking Shanghai, Nov. 24-26, the year 2003

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E-Banking: Status, Styles, Challenges and Policy Implications 1 . installment payments on your Introduction....................................................................................................................... one particular Status................................................................................................................................. 1 2 . 1 ) Definition.................................................................................................................. 1 2 . 2 . Fundamental qualities...................................................................................... 2 2 . 3. Levels/Scope of e-banking business......................................................................... a couple of 2 . 4. Current advancement situations (in industrial countries)......................................... 2 2 . 5. Status in producing countries.................................................................................. three or more 3. Prospects--Impact of E-banking on classic banking................................................... a few 3. 1 ) The early regular wisdom:............................................................................... 3 3. 2 . In reality, e-banking develops fast, but not harming as conventional wisdom expected................................................................................................................................ 3 a few. 3. Existing vision....................................................................................................... four 3. 4. Case-study--experience from your two the majority of successful circumstances................................... 4 several. 5. Prospects................................................................................................................... 5 four. Trend: The application of e-banking—SME finance............................................. your five 4. 1 ) Obstacles to SME's usage of finance....................................................................... your five 4. 1 . 1 . coming from banks' point of view.................................................................................... 5 5. 1 . installment payments on your from SME's perspective.................................................................................... 6th 4. 2 . New Technology, New Hope for SME Finance....................................................... 6th 4. installment payments on your 1 . By bank's area, new technology (e-banking) makes SME finance financially possible....................................................................................................... 6th 4. 2 . 2 . Via SMEs' point of view................................................................................... 7 5. 2 . three or more. From the government's perspective.................................................................. several 5. Difficulties and policy implications.................................................................................. 8 5. 1 . Cross-border e-banking activities and its particular policy significance.................................. 8 a few. 1 . 1 ) definition........................................................................................................... 8 5. 1 ) 2 . Two scenarios................................................................................................... 8 5. 1 . 3. Brought up many issues and queries for bank regulatory specialists (both house and host).................................................................................................................. 8 your five. 1 . some. Its coverage implications....................................................................................... 9 5. 2 . From the society's perspective................................................................................ twelve 5. installment payments on your 1 . Problems...