網(wǎng)絡(luò)銀行的產(chǎn)生與發(fā)展

引  言······················································3

網(wǎng)上銀行的概念及運行特點····································4

網(wǎng)上銀行的概念············································4

網(wǎng)上銀行的特點············································4

我國網(wǎng)上銀行的發(fā)展歷程及現(xiàn)狀································5

我國網(wǎng)上銀行的發(fā)展歷程及現(xiàn)狀······························5

我國銀行網(wǎng)上銀行業(yè)務(wù)的比較································8

四、我國網(wǎng)絡(luò)銀行發(fā)展存在的問題··································8

（一）法規(guī)滯后網(wǎng)絡(luò)銀行··········································8

（二）安全隱患··················································8

（三）技術(shù)風(fēng)險··················································8

（四）功能有待完善，拳頭產(chǎn)品較少································8

（五）售后服務(wù)不到位，市場培育能力差····························8

（六）思想認識不到位，管理工作薄弱······························9

五、我國網(wǎng)上銀行面臨問題的應(yīng)對對策······························10

（一）法律法規(guī)··················································10

（二）把傳統(tǒng)營銷渠道和網(wǎng)絡(luò)渠道緊密結(jié)合··························10

（三）加大電子銀行產(chǎn)品和功能的整合力度··························10

（四）健全服務(wù)體系，提高服務(wù)質(zhì)量································10

(五)提高網(wǎng)銀的技術(shù)水平，強化網(wǎng)銀立法監(jiān)管························11

（六）規(guī)范員工培訓(xùn)，強化部門職責(zé)································11

六、結(jié)論························································12

參考文獻························································13

內(nèi) 容 摘 要

網(wǎng)上銀行作為21世紀一種新興的金融業(yè),其低廉的成本和廣闊的前景,已越來越得到人們的重視。伴隨著信息化、數(shù)字化和網(wǎng)絡(luò)化的發(fā)展浪潮，網(wǎng)上銀行不斷地高速發(fā)展，功能不斷地完善，業(yè)務(wù)量不斷地迅速增加，我國越來越多的金融機構(gòu)開始加快網(wǎng)上銀行建設(shè)步伐。

其低廉的成本和廣闊的前景，已越來越得到人們的重視。網(wǎng)上銀行在中國的發(fā)展可謂剛剛起步，面臨種種困難，我國在發(fā)展網(wǎng)上銀行應(yīng)采取如下對策:營造我國網(wǎng)上銀行發(fā)展的良好環(huán)境；培育我國網(wǎng)上銀行主體積極發(fā)展；加強對網(wǎng)上銀行的有效監(jiān)管。