网络银行的产生与发展

内容摘要··························································2

网络银行定义··················································3

二、网络银行的产生与发展··········································3

（一）网络银行产生的背景··········································3

1、网络银行是网络经济发展的必然结果·······························3

2、网络银行是电子商务发展的需要···································3

3、网络银行是银行自身发展并取得竞争优势的需要·····················4

（二）、我国网络银行的发展特点·····································4

银行都设立网站开展网上银行业务，网络小额信贷的发展·············4

2、手机银行·······················································5

3、网上银行业务数量、种类、服务品种都在迅速增多···················5

4、我国网络银行开始赢得国际声誉···································5

三、我国网络银行的主要问题········································5

（一）、技术安全问题···············································6

（二）、网络建设问题、电子支付手段·································6

（三）、法律问题、监管问题·········································6

（四）、社会信用环境问题···········································7

（五）、规划问题···················································7

（六）、业务品种单一，客户对网络银行缺少依赖性的问题···············7

四、我国网络银行发展的主要对策····································8

（一）、加强网上支付安全···········································8

（二）、应该建设大型网络银行数据库·································8

（三）、加快制定并完善网络银行的专门法规···························9

（四）、加强社会信用体系建设·······································9

（五）、规划发展策略················································10

(六)、加大网络银行业务的营销力度和创新力度························10

五、我国网络银行发展的方向········································10

参考文献··························································12

内 容 摘 要

随着信息网络的发展普及，电子商务的快速发展，商业银行开始进军网络，形成网上购物、支付、转账等服务，随着我国银行业的全面对外开放,国内金融机构与国外金融机构之间将处于直接竞争的经营环境。要想立于不败之地，必须提高自身的竞争力和盈利水平，依靠创新获取长久的内在发展动力，其中网络银行将成为各银行的必然选择。当今社会是信息高度发达的网络经济时代,网络银行不单纯是传统银行的网络化,而是将传统银行业引向更高度的集约化发展的方向,网络银行的发展将会引发商业银行一系列在实务领域的深层次变革。它将会出现新问题，也会出现新的风险，比如网上交易的安全问题，所以给网络银行立法立规势在必行。危与机同时存在，网络银行目标应靠管理、产品、安全、效益等为用户提供全方位全天候、便捷、实时的快捷金融服务，定位于利用网络树立良好的企业形象，走出一条符合中国实际情况的网络银行创新发展道路。

关键字： 网络银行、发展、创新、风险