有关我国当前网上银行发展探索—财经金融.doc

有关我国当前网上银行发展探索 — 财经金融 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；成本；网络银行 Abstract: Internet banking in the 21st century as an emerging financial sector, and its low cost and broad prospects and have been more and more attention. The main foreign banks with the advantage of the network without limits, the realization of long-distance services to make up for its smaller networks, the size of small enough that for quite a long period of time, the financial competition in the final analysis will focus on 3 fronts: foreign and domestic (Chinese-funded And foreign), the industry and outside the industry (industry and mixed), and on-line network under (Internet banking and traditional bank). As a result, Chines