陈家伟--中国网络银行现状与发展对策研究.doc

专业资料参考 word格式整理 专业资料参考 word格式整理 中国网络银行现状及发展对策研究 摘 要 信息产业的发展推动了金融电子化的发展，网络银行在这种大潮流下应运而生，也因此掀起了一股网络风潮。网络银行是技术进步和金融产业相结合的产物，具有服务方便快捷高效、经验成本低廉和提供个性化服务的特点，利用网络银行用户可以很便捷的查询账户信息、转账等日常操作。另外，网络银行可以突破地域和时间的限制，提供个性化的金融服务产品，将“客户中心主义”融入银行经营的全过程。 然而，我国的网络银行起步较晚，存在着网络银行发展过程中的一般性问题，本文通过对我国商业银行网络银行业务发展的现状和存在问题的分析，从运作过程、业务发展和安全隐患三个方面指出网络银行在发展过程中的不足，并提出提出相对于的若干发展策略方面的建议，希望得得到银行的相关重视。愿国内网络银行的体系和架构在未来的发展中更加完整、更加美好。 关键词：网络银行；发展模式；未来发展趋势；策略 Research on the current situation and development strategy of Chinas Internet Banking Abstract With the development of the information industry, the financial electronic has been promoted. In this tide Internet banking came into being and set off a wave of network. Internet bank is the product of combination of technology and financial industry, with the features of fast and efficient services, low cost and provide personalized service, It is very convenient for users to check their account ,transfer and other day-to-day operations by Internet banking. In addition, Internet banking can break through the restrictions of region and time, and provide personalized financial services products, putting the idea of customer center into the whole process of bank management. However, the Internet banking of our country starts relatively late, there is a general problem in the development of Internet bank. In this paper, we analysis the status of our country’s Internet banking of commercial bank development and the existing problems, pointing out the defects of Internet banking in the development process from three aspects of the operation, business development and potential safety problems , and put forward some development strategies with respect to suggest. I hope some commercial bank can pay attention to these. May the domestic Internet banking system and architecture develop more complete and more beautiful in the future. Key words: Internet banking; Develo