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Form of report: PDF file
Author: Enterprise IT Application Consulting Center, CCID Consulting
Price: USD2,200 for hardcopy version and USD2,400 for digital version
Research fields: online banking
Enterprises involved: Industrial & Commercial Bank of China, China Merchants Bank, China Construction Bank, Bank of China, Agricultural Bank of China, Minsheng Banking Corporation, China Communications Bank, China Industrial Bank, Pudong Development Bank, etc.
Report Highlights
In 2006, online banking experienced rapid development. Trading volume and the number of transactions of online banking rose substantially. While enterprise online banking still takes the lion's share, the personal online banking market holds immense potential. In 2005, trading volume of enterprise online banking came to 70.2 billion yuan, taking up as much as 96.7% in the total trading volume, with a rise of 21.3 billion yuan from 2004. In 2005, personal online banking developed rapidly in China. In particular, personal users of China Merchants Bank, Industrial & Commercial Bank of China and the Agricultural Bank of China topped 50%. The personal online banking market soared 300%. The number of personal online banking users rose even faster: As of the end of 2005, personal online banking users came to 34.6 million, up 103.5% from 2004, taking up 38.7% among Internet users. Trading volume increased from 600 billion yuan in 2004 to 2.4 billion, with a rise of 300%. In the next four years, the enterprise online banking market will see steady growth, while the personal online banking market will continue to grow rapidly. From 2007 to 2008, trading volume will multiply. After that, growth will slow down. By 2010, trading volume of personal online banking is expected to top 30 billion.
In addition, online banks actively partner with e-commerce enterprises to tap the online banking market as alliances. The Industrial & Commercial Bank of China teams up with Sohu, Alibaba, and the Agricultural Bank of China joins hands with Shanda. Online banking is turning into business operations that produce actual benefits, and even becoming a tool for improving commercial banks' brand image and market competitiveness.
In the face of competition and changes and challenges in the market, CCID Consulting releases the 2006-2007 Annual Report on the Development of Online Banking in China. It helps vendors, investors and the industry chain grasp more accurately the development track of application value in China's online banking industry in the following aspects:
The report elaborates on major banks' competition situation in 2006, sums up the banks' successes and failures in the dimension of online banking functions, competition situation, and competition strategy, and reviews the makings of leading players.
After presenting in-depth quantitative forecast of the market, report conducts modeling regression and expert verification for the whole market and market segments, and derives valuable trend analysis and quantitative results.
Moreover, it analyzes online banking services offered by small and medium commercial banks, and compares the domestic and overseas online banking industries, to grasp the development trend of online banking in China.
Framework of the Report
Main Conclusions
Key Findings
I. Overview of the Global Online Banking Industry
(I) Profile of Online Banking
1. Definition of Online Banking
2. Advantages of Online Banking
3. Classification of Online Banking
4. Introduction to Online Banking Services
5. Operating Mechanism of Online Banking
(II) Major Countries & Regions
1. U.S.A
2. Europe
3. Japan
4. South Korea
II. Overview of China's Online Banking Industry, 2005-2006
(I) Present Situation of China's Online Banking Industry
1. Present Situation Personal Online Banking
2. Present Situation Enterprise Online Banking
(II) Characteristics of China's Online Banking Industry in 2006
(III) Problems Facing China's Online Banking Industry
1. IT Application in China should be improved
2. E-commerce and other applications concerning online banking are not well developed
3. Laws and regulations on IT application are not sound enough
III. Analysis of the Industry Chain of China's Online Banking Industry in 2006
(I) The People's Bank of China
(II) The China Banking Regulatory Commission (CBRC)
(III) Policy Banks
(IV) China Financial Certification Authority
(V) Commercial Banks
IV. Competition Situation in China's Online Banking Industry
(I) The Industrial and Commercial Bank of China
1. The Bank's Online Banking Services
2. Characteristics and Advantages
(II) China Merchants Bank
1. The Bank's Online Banking Services
2. Characteristics and Advantages
(III) China Construction Bank
1. The Bank's Online Banking Services
2. Characteristics and Advantages
(IV) Bank of China
1. The Bank's Online Banking Services
2. Characteristics and Advantages
(V) The Agricultural Bank of China
1. The Bank's Online Banking Services
2. Characteristics and Advantages
(VI) Minsheng Banking Corporation
1. The Bank's Online Banking Services
2. Characteristics and Advantages
(VII) China Bank of Communications
1. The Bank's Online Banking Services
2. Characteristics and Advantages
(VIII) China Industrial Bank
1. The Bank's Online Banking Services
2. Characteristics and Advantages
(IX) Pudong Development Bank
1. The Bank's Online Banking Services
2. Characteristics and Advantages
V. Development of Online Banking of Medium and Small Banks
(I) Necessity of Launching Online Banking Services
(II) Characteristics of Online Banking Services Provided by Medium and Small Banks
(III) Development Trend of Online Banking of Medium and Small Banks
VI. Comparison of Online Banking in China and Abroad
(I) Business Structure
(II) Profit Models
VII. Forecast of the Development of China's Online Banking Industry, 2007-2009
(I) Analysis of Development Potential
(II) Forecast of Development
1. Forecast of Size
2. Forecast of Structure
VIII. Recommendations from CCID Consulting
List of Tables
Laws and Regulations on China's Online Banking Market
Online Banking Services Launched by State-owned Banks and Joint-Stock Banks
Indexed for Assessing the Competitiveness of the Online Banking Industry
Comparison of the Competitiveness of China's Five Online Banks
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List of Figures
Market Share of Online Banking in China in 2006
Number of Online Banking Transactions Conducted by Enterprise and Personal Users in China in 2006
Development Course of China's Online Banking Market
Forecast of the Size of Online Banking Transactions in China, 2007-2010
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