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电子商务模式下金融业务创新的探讨
摘 要：新经济时代应运而生的电子商务发展极其快速, 1种崭新的全球性网络经济时代已经来临。传统的金融业也面临着巨大的冲击。因此，金融机构必须顺应潮流,积极拓展网上银行、网上证券发行与交易、网上保险业务和其他网上理财业务。从我国情况看，电子商务在金融业务创新方面的应用还处于起步阶段，仍然需要对很多问题做进1步的研究。
本文旨在通过对电子商务以及金融业务创新的概念、内涵、及其联系的分析，从网络银行、网络证券、及网络保险3方面进行了调查。采用分类分析的方法，分别提出了在我国发展过程中，在发展环境、技术、法律法规上所存在的问题，并对中国开展电子商务的金融业务创新提出了在理论和政策上的建议。
经过上述分析、调查和研究，作者对在中国开展电子商务模式下的金融业务创新,就网络银行、网络证券、网络保险3方面所存在的问题提出了自己的对策及建议。期望能以此促进中国进行电子商务的金融业务创新的不断发展。
关键词：电子商务；网络经济；网络金融；金融业务创新
THE DISCUSSION ON FINANCIAL SERVICE INNOVATION FROM E-COMMERCE
Abstract: With the rapid development of the e-commerce, the new global net work economical time is approaching. The traditional finance industry is facing the huge impact. Therefore, financial institutions must adapt the trend, and actively implement the Internet banking, on-line transactions and the issuance of securities, insurance and other online e-finance business. Judging from Chinas conditions, the application on the financial service innovation from e-commerce exists on early stage, meanwhile, a lot of problems need to do rather research.
The article analyze the electronic commerce as well as the financial service innovation concept, the connotation, and the relation. The author makes the investigation of the network bank, the network negotiable securities, and the network insured. With the classified analysis method, the author proposes questions about the developmental environment, the technology, the legal laws and the regulations, and proposes suggestion on the financial service innovation from electronic commerce on the theory and policy.
Through the above analysis, the investigation and the research, the author analyze questions from three aspects of e-Bank, e-Securities, and e-Insurance, and proposes own countermeasures and suggestion in the financial service innovation from electronic commerce, expects to prompt China’ s development on the financial service innovation from electronic commerce.
Keyword: Electronic Commerce; Network Economy; Network Finance; Financial Service Innovation