关于大学生网上银行使用情况的调查报告分析.doc

关于大学生网上银行使用情况的调查报告分析 【摘要】：网上银行作为21世纪一种新兴的金融业，其低廉的成本和广阔和前景，已越来越得到人们的重视。外资银行主要借助网络无极限的优点，实现远程服务、以弥补其网点少、规模小之不足，在今后相当长的一段时期内，金融竞争归根结底将集中在3条战线：国内与国外（中资与外资）、业内与业外（同业与混业）、网上与网下（网络银行与传统银行）。由此，中资银行在应传统业务领域竞争以外，还要在网络金融服务领域内与外资银行展开竞争。本文分析网络银行特征的基础上，剖析了我国目前网上银行发展的现状，并针对我国网上银行发展存在的问题，建议我国在发展网络银行应采取如下对策：营造我国网络银行发展的良好环境；培育我国网络银行主体积极发展；加强对网络银行的有效地监管。 【关键词】：网上银行、安全性、信用风险、网络支付 【 Abstract】: online bank in twenty-first Century as an emerging financial sector, and its low cost and broad prospects, have been gaining more attention. Foreign banks mainly through the network without limits of the advantages, to realize the remote service, to compensate for their site is little, the size of small enough, inside quite long henceforth inside a paragraph of period, the financial competition in the final analysis will focus on 3 fronts: domestic and foreign ( domestic and foreign ), trade and industry ( industry and mixed ), the online and offline ( network bank and traditional bank ). Thus, Chinese banks should be in traditional areas of business competition, but also in the field of financial services network to compete with foreign banks. This paper analyzes the characteristics of the banking network basis, analysis of Chinas current situation of the development of online banking, and Internet Banking for Chinas development problems, suggestions in the development of Chinas network bank should take the following measures : to create a network of Bank of Chinas good environment; to breed our country banking network of the main positive development; to strengthen the network bank effective supervision. 【 Key words】online banking, security, credit risk, network payment 引言 网上银行又称网络银行、在线银行，是指银行利用Internet技术，通过Internet向客户提供开户、销户、查询、对帐、行内转帐、跨行转账、信贷、网上证劵、投资理财等传统服务项目，使客户可以足不出户就能够安全便捷地管理活期和定期存款、支票、信用卡及个人投资等。可以说，网上银行是在Internet上的虚拟银行柜台。网上银行又被称为“3A银行”，因为它不受时间、空间限制，能够在任何时间(Anytime)、任何地点(Anywhere)、以任何方式(Anyway)为客户提供金融服务。近年来，随着网上银行的普及，从个体消费者网上支付、转账汇款、信用卡支付等方式