| Summary: | 碩士 === 銘傳大學 === 金融研究所碩士在職專班 === 90 === The Reseach of the Internet Bank and International Capital Transfer
Student: Michelle Hsiao Advisor: Dr. Jian-Sen Huang
Dr. Jenho Peter Ou
ABSTRACT
In the past few years, internet and intranet-supported services have been improving dramatically. As a result, computer technology and communication skills merged to form new internet products. As online banking and international electronic capital transferring businesses combine, international capital transfer shall improve more rapidly and spread with no limits.
Recently however, some foreign financial software companies start to provide on-line payment system, which not only offers e-solution for complex international trade process but also provides safe and effective clearing mchanism. This revolutionary change has brought, although not directly affecting our clearing system, a lot of aspects for our banking authorities and banking industry to ponder over.
At this stage of financial reform, we have tried to learn and understand the integrated model of new payment and clearing system. We hope we can provide our banking authorities who now facing fast changing global banking environment useful information to plan and prepare the establishment of the best international funds clearing system for Taiwan’s banking institutions. In addition, we hope we can help our banking industry set up a thorough system for current capital transfer mechanism by using new technologies, hence constructing a better electronic banking environment.
Our conclusion: we believe our banking authorities, the banking industry itself, and the academia should work closely together for the construction of suitable transaction environment for international electronic capital transfer through internet banking, so that we can enhance our competitiveness and improve business strength. Our conclusion is summarized as below:
1. The blooming of internet virtual banks should be a trend in the future. In terms of profitability and security, the performance of pure internet virtual banks in western countries is still far from satisfaction. We believe at present we should still follow international trends of incorporating reality and virtuality in order to build sound internet environment for exchange of funds.
2. Under current inevitable trend of global e-banking, we must seek new management concepts and skills to break the barriers and problems of international electronic capital transfer through internet banking. This will then let us improve our financial strength and adapt to new financial environment, and enhance our competitiveness further.
3. Based on current capital transfer pattern of Taiwan’s banking industry, we should introduce the skills and concepts of related innovative western internet banking services so as to further develop feasible pattern of international capital transfer through internet banking for Taiwan.
4. Technology should never be apart from human nature. The key point is how to meet the demand of human nature and make everyone embrace new technology. We believe in the years to come the trend for humanized banking which incorporates traditional and internet banking will still remain.
5. Banks should develop more financial planning, personal banking or VIP centers, and their marketing strategies for internet banking should be broadly connected from s single point to the entire area.
Keywords: Internet banking、Electronic cashflow、International electronic capital transfer
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