我国网络银行发展中存在的问题及对策

我国网络银行发展中存在的问题及对策
 
摘要：网络银行就是基于因特网或其它电子通讯网络手段提供各种金融服务的银行机构或虚拟网站。
本文的第1部分首先从网络银行的1般研究入手，介绍了网络银行产生的基础，即电子商务以及我国发展网络银行的背景和其发展现状，论证了在我国发展网络银行既是应对国际挑战的需要，也是其自身发展的客观要求。在第2部分中通过分析我国网络银行发展中现存的问题与困难，指出外部的社会环境、尤其是金融业互联性差的缺陷是制约我国网络银行发展的最大障碍。最后，第3部分针对前面的分析和招商银行的成功经验，从营造出良好外部环境、强化网络银行营销、实施人才战略等方面提出了相应的解决对策。
以上研究成果表明：发展网络银行是大势所趋，我国网络银行虽然目前面临着不少亟待解决的问题，但其前景仍然1片光明，是新形势下银行业发展的不2选择。

关键字：电子商务；网络银行；发展

The Existed Problems and Dealing Ways during the Development of E-bank In Our Country
 
Abstract：Internet banking is the banking organization or virtual websites. It is based upon Internet or others electronics communication network means to provide kinds of finance service.
The fist, introduce the Internet banking creation, Introduced the network bank produces the foundation, namely electronic commerce as well as our country develop the network bank background and its development present situation，demonstrate that development of Internet banking in our country is suit for both facets: the demand to reply the international challenge and the demand to development itself.
The second, via investing the Internet banking in our country, for example-China Merchants Bank, analyse our Internet banking status in quo, developmental trend and problem and countermeasure, point out blemish, that are the exterior social milieu and Internet financial services poor，is the biggest obstacle of our Internet banking. 本文来自中国科教评价网
The last, according to the analyses and the successful experience of China Merchants Bank, put forward the following homologous countermeasure of solution: constructing the good exterior environment, improving the Internet banking management, enhance the Internet banking marketing, putting into practice talented persons strategy and enhance the Internet banking supervision.

Keywords: E-business；Net-bank；Development