基于网络金融理论的网上银行发展与对策研究.doc

武汉理工大学 硕士学位论文 基于网络金融理论的网上银行发展与对策研究 姓名：刘彬彬 申请学位级别：硕士 专业：管理科学与工程 导教师：刘舒燕ABSTRACT Chinese traditional bank brought the new technologies to speed up the transformation of the banking sector is an important measure to cope with the serious impact of the accession to WTO. How to adjust themselves and exceed competitors in order to fece of the new century, tests all the banks. Internet banking is cun^ntly the technology in the banking business arising from the new round of changes in the rapid growth and unique service means that all of the traditional banking institutions in the world have experienced tremendous shock. Chinas banking industry is likely to usher in a new opportunity. Regardless of wbat future development will be，more convenient financial services online banking to the best interests of customers. As the popularity of the Internet and e-commerce, the flourish of Internet banking in China emerged. However, as the external environment, internal control and the corresponding lack of a sound legal mechanism, the development of internet banking continues to fece many pressures and problems. Although some of our current commercial banks, such as China Merchant Bank, have started the online business’ it still faced with the several major problems, such as lack of network economy market demand’ tbe small size of transactions and the poor efficiency; market culture that is not adapted to the online business and still a considerable gap between the concepts and practice; credit mechanism that is not perfect and the imperfect market environment; insufficient input in infonnation network infrastructure and lack of overall fmancial network construction planning; construction of online public certification center and mutual networking in internet banking; service system building and safety precautions, etc, which need us to solve in the development of Internet banking process. The main objective of this study is the presentation of a number of effective suggest