我國(guó)網(wǎng)絡(luò)銀行發(fā)展面臨的問題與戰(zhàn)略對(duì)策

全文字?jǐn)?shù):9196

我國(guó)網(wǎng)絡(luò)銀行發(fā)展面臨的問題與戰(zhàn)略對(duì)策
[摘 要] 近年來，隨著因特網(wǎng)的快速發(fā)展，一種全新的業(yè)務(wù)與服務(wù)方式——網(wǎng)上銀行，正在向我們走來。我國(guó)網(wǎng)絡(luò)銀行在發(fā)展過程中出現(xiàn)一系列的問題。為了使我國(guó)網(wǎng)上銀行的快速發(fā)展，我們必須建立并完善網(wǎng)絡(luò)銀行的法律法規(guī)，規(guī)范網(wǎng)絡(luò)銀行的經(jīng)營(yíng)行為，建立一流的監(jiān)管技術(shù)裝備和高素質(zhì)人才庫，及時(shí)完善和補(bǔ)充監(jiān)管內(nèi)容，這些措施為我國(guó)網(wǎng)絡(luò)銀行業(yè)的發(fā)展帶來了重要意義。
[Summary] In recent years, along with the fast development of Internet, a kind of all new business and the service method-net top bank is walking toward us。The our country network bank appears a series during the period of develop of problem。On-line bank of our country for make of fast development, we have to build up combining the law laws of the perfect network bank, the management behavior of the norm network bank, build up taking charge of the technique material and the high character talented person's database top-grade, in time perfect take charge of a contents with complement, these measures bring important meaning for the development of the our country network banking。
[關(guān)鍵詞] 網(wǎng)絡(luò)銀行 監(jiān)管措施 安全管理措施
[Keyword] Internet banking    Inspect management measure   Safety management measure

 網(wǎng)上銀行又稱作網(wǎng)絡(luò)銀行（Internet Banking）、電子銀行(E-Banking)或在線銀行，是以互聯(lián)網(wǎng)為渠道，為客戶提供多種金融服務(wù)的銀行。網(wǎng)絡(luò)銀行的狹義(Internet- Only Bank)是指沒有分支銀行或自己的自動(dòng)柜員機(jī)(ATM)，僅以網(wǎng)絡(luò)作為交易媒介，提供至少一種電子服務(wù)的金融機(jī)構(gòu)。廣義網(wǎng)絡(luò)銀行則包括網(wǎng)絡(luò)銀行、電子分行(E- Branch)和遠(yuǎn)程銀行(Remote -Bank) 。電子分行是指在同時(shí)擁有“實(shí)體”分支機(jī)構(gòu)的銀行中僅從事網(wǎng)絡(luò)銀行業(yè)務(wù)的分支機(jī)構(gòu)。遠(yuǎn)程銀行是指同時(shí)擁有ATM、電話、專有的家用計(jì)算機(jī)軟件和網(wǎng)絡(luò)銀行的金融機(jī)構(gòu)。