E-banking is a new banking service, which means that banks use computer technology and network communication technology to provide customers with routine financial services such as cash deposit and withdrawal, transfer, password modification, account inquiry, remittance in different places, payment of public utility fees, bank-securities transfer, fund transaction, gold transaction and online payment.

The significance of e-banking to the banking industry lies in reducing the operating costs of banks; Improve the quality of banking services; Broaden the field of banking services; Expand the service field of banks and increase their market share.

At present, the famous electronic banking systems in China are:

1, China Merchants Bank's "One Netcom"

In April, 1997, China merchants bank e-banking e-banking officially established its own website, becoming the first online bank in China. In February, 1998 online banking "One Netcom" was launched. On September 6th, 1999, China Merchants Bank signed a comprehensive e-commerce cooperation agreement with China General Post and Telecommunications Bureau, China Southern Airlines and Sina.com ... So far, China Merchants Bank took the lead in launching online banking business in China. In March, 20001,China Merchants Bank also launched v2.0, a professional version of online banking and personal banking with world advanced level.

2. China Bank's "bank"

In June, 1999, Bank of China officially launched a series of online banking products. On May 15, 2000, Bank of China took the lead in opening the cable TV online banking business-"Home Banking", which was based on the cable TV video broadband network and used televisions and set-top boxes as customer terminals to realize networking and handle banking business. "Home Bank" mainly serves users who have used China Bank's telephone banking in Guangzhou and applied for Guangdong video broadband network, and will be gradually extended to users in other regions in the next step. "Home Bank" has gradually established a relatively perfect and mature online banking system consisting of enterprises, banks, personal banks, online securities, online shopping malls and online payment.

3. Online Banking of China Construction Bank.

1On August 4th, 999, China Construction Bank officially launched the online banking service. The online banking service of China Construction Bank adopts the international standard identity authentication system and the most advanced security encryption technology to ensure the security of online transactions. Beijing and Guangzhou are the first cities of CCB to open online banking services. It is expected that Shenzhen and Shanghai will also open online banking services. By the end of June, 20001,CCB's online banking had covered 1 15 large and medium-sized cities in China, and the number of online banking customers reached 50,000, with a sharp increase of 40,000 in the first half of the year alone, a year-on-year increase of nearly 40 times. The average number of transactions and the transaction amount were 56,000 and 24 million yuan respectively, both increasing by 10 times compared with the same period of last year. By the end of 65438+ in February 2007, the number of e-banking customers in the whole bank had reached 70.7 million; The transaction volume of e-banking is nearly 120 trillion yuan; The transaction volume is nearly 654.38+09 billion; Realize an operating income of 500 million yuan. In 2007, China Construction Bank's e-banking products were highly praised by users of major well-known domestic media, with outstanding performance. Online banking won the "2007 China Online Banking Evaluation: Best User Experience Award", and mobile banking ranked first in the "2007 China Banking Outstanding Innovation Award".

5. Online banking of Agricultural Bank of China.

Agricultural Bank of China started late in the construction of online banking, but it also achieved a zero breakthrough. In May, 2000, Guangdong Branch of Agricultural Bank of China established a new business brand of "Internet Freeman" with home Internet access, enterprise Internet access and government Internet access as the breakthrough points. At the same time, Guangdong Agricultural Bank initiated a new financial service-"direct access to the Internet from bank accounts", which realized real-time deduction of Internet access fees and brought great convenience to customers who used online financial services. In June 5438+February 65438+August 2000, Shanghai Agricultural Bank launched 95599 online banking, and its service function currently has three parts: one is business service function; The second is the value-added service function; The third is the information service function. Business functions include automatic voice service, manual agency service, online banking service and fax service. At that time, inquiry service, loss reporting service, transfer service, information consulting service, notification service, complaints, suggestions and bank-securities transfer service had been realized. In the second stage, payment agency and foreign exchange trading business arrangements were developed. The comprehensive service provided by 95599 online bank not only embodies the values of "market-oriented, customer-centered and technology-supported" of China Agricultural Bank, but also marks that the process of financial electronization of China Agricultural Bank has entered a brand-new development stage.

Alipay:

Alipay (China) Network Technology Co., Ltd. is a leading independent third-party payment platform in China. It was founded in February 2004 by Mr. Ma Yun, CEO of Alibaba Group, and is an affiliated company of Alibaba Group. Alipay is committed to providing "simple, safe and fast" online payment solutions for e-commerce in China.

Since its establishment in 2004, Alipay has always regarded "trust" as the core of its products and services. It not only ensures the safety of users' online payment from the product, but also allows users to establish mutual trust between networks through Alipay, which is a very meaningful step for establishing a pure Internet environment.

Alipay's concept of building trust, simplifying complexity and improving the credit system through technological innovation has won the hearts of the people. In less than six years, it has created rich value for users in various fields of e-commerce and grown into one of the leading third-party payment companies in the world. By the end of February, 20 10, 10, the registered users of Alipay had exceeded 550 million, the daily transaction volume had exceeded 2.5 billion RMB, and the number of daily transactions had reached 8.5 million.

Alipay's innovative product technology, unique concept and huge user base attract more and more Internet merchants to choose Alipay as their online payment system.

In addition to Taobao and Alibaba, there are more than 460,000 merchants who support the use of Alipay trading services; Covering virtual games, digital communication, commercial services, air tickets and other industries. While enjoying Alipay services, these businesses also have a very potential consumer market.

Alipay has won the recognition of banks and other partners with its steady style, advanced technology, keen market vision and high sense of social responsibility. At present, China Industrial and Commercial Bank, China Agricultural Bank, China Construction Bank, China Merchants Bank, Shanghai Pudong Development Bank and other major domestic commercial banks, as well as China Post, VISA International and other major institutions have established in-depth strategic cooperation with Alipay, constantly introducing innovative products according to customer needs, and become the most trusted partners of financial institutions in the field of electronic payment.

Tenpay:

Tenpay is a professional online payment platform officially launched by Tencent in September 2005. Tenpay is committed to providing safe, convenient and professional online payment services for Internet users and enterprises.

Tenpay has built a brand-new comprehensive payment platform, covering B2B, B2C and C2C fields, providing excellent online payment and clearing services. For individual users, Tenpay provides rich functions including online recharge, cash withdrawal, payment and transaction management. For enterprise users, Tenpay provides safe and reliable payment and clearing services and distinctive QQ marketing resources support.

Tenpay has successively won the Top Ten Award of Electronic Payment Platform in 2006, the Best Convenience Payment Award in 2006, the Best Growth Potential Platform Award of Electronic Payment in China in 2006 and the Most Competitive Electronic Payment Enterprise Award in 2007, and in 2007, it took the lead in obtaining financial support from the National E-commerce Special Fund.

Cooperative banks: Industrial and Commercial Bank of China, Agricultural Bank of China, China Bank, China Construction Bank, China Merchants Bank, Shanghai Pudong Development Bank, Postal Bank, Rural Credit Cooperatives, China UnionPay, Shenzhen Development Bank, Guangdong Development Bank, Minsheng Bank, Industrial Bank, Bank of Beijing, Guangzhou Commercial Bank, Shenzhen Rural Commercial Bank, Bank of Communications and China Everbright Bank.

At present, the famous foreign electronic banking systems are:

1，Fedwire。

An electronic fund transfer system operated by the Federal Reserve;

Domestic inter-bank payment real-time summary system (RTGS)

2. Inter-bank payment and clearing system

Operated by new york Clearing House Association NYCHA;

Realize international capital transfer.

3. World Bank Association

It is mainly the payment and information exchange between members, and the actual transfer of funds is completed through the bank payment and clearing system and the Federal Reserve cable.

4.SFNB (Safety First National Bank)

SFNB is the first real online bank in the world. It has broken away from the traditional physical banking mode with physical media as the medium and operated entirely on the Internet. Customers are not limited by physical space and time. As long as they can log on to their websites and have their online accounts, they can enjoy their convenient and high-quality services.

As the earliest online bank, SFNB has always attached importance to the security of the system. With the strong support of HP, Five Paces and Secure Ware, SFNB has provided customers with a multi-level and military-level security network system, and obtained a business license issued by the American Depository Institution Supervision Office. In addition, SFNB also obtained deposit insurance from the Federal Deposit Insurance Corporation (FDIC), and promised customers that it would provide 65,438+000% compensation for unauthorized fund transfer, bank errors or security loopholes.

5、Moneybooker:

On February 5, 2003, MB became the first electronic bank officially recognized by the government in the world. It is also a member of 14 of the British electronic money association EMA. At present, it is widely listed as the main payment form after e-payment by money-making companies! More importantly, the foreign exchange in this electronic bank can be transferred to our domestic bank account!