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有人说,随着网络银行的兴起,一些传统银行很可能成为21世纪的恐龙。电子商务作为一种前所未有的崭新的商业运作模式,正在引发一场商贸领域的深刻变革,而这场变革又以网络银行的创举为前提。这是因为,电子商务中的核心环节——资金流,即网上结算,必须完全依赖于网络银行来实现。没有适时的电子支付手段相配合,电子商务就成了真正意义上的“虚拟商务”——只能是电子商情、电子合同,而无法网上成交。因此,电子商务的发展要求金融业同步电子商务化,E—bank(Electrortic Bank)的建立成为大势所趋。
Some people say that with the rise of online banking, some traditional banks are likely to become the 21st century dinosaurs. As an unprecedented new mode of business operation, e-commerce is leading to a profound change in the field of commerce, which is based on the initiative of internet banking. This is because the core part of e-commerce - capital flow, that is, online settlement, must rely entirely on Internet banking to achieve. Without timely electronic payment means to cooperate, e-commerce has become a real “virtual business” - only e-commerce, electronic contracts, but not online transactions. Therefore, the development of e-commerce requires the e-commerce in the financial industry to be synchronized and the establishment of E-bank (Electrortic Bank) becomes the trend of the times.