我国商业银行网上银行业务存在的问题及对策研究毕业论文.doc

毕业论文 （2010届） 我国商业银行网上银行业务存在的问题及 摘 要 随着社会的进步我们已经进入了信息时代，计算机技术、网络技术，越来越多的人在使用nternet，并且人们的电子化金融服务需求日益增加，这使得网上银行业务发展成为必然趋势。目前，国网上银行业务总体上仍处于初级阶段，与国外存在着一定的差距，因此加快发展网上银行，培育竞争优势对于中国银行业来说已是迫在眉睫。 本文借鉴国外网上银行的发展经验和教训，中国网上银行业务发展现状，运用对比分析的方法，我国在网上银行发展模式、经营业务范围等方面使中国网上银行长期、稳定的发展。 关键词：网上银行；发展；网络安全 Abstract Follow we have entered the information age, computer technology, network technology in accelerating development, more and more people using the Internet, and peoples increasing demand for electronic financial services, which makes Internet banking to become an inevitable trend. At present, Chinas Internet banking in general is still in its infancy, and there is a certain gap between the foreign. So it is urgent that Chinese banking industry should accelerate to develop Internet banking and cultivate competition advantage. This borrowing the development of online banking experience and lessons, using time-series data for trend analysis, research on Chinas Internet banking business development status, And apply the method of comparative analysis found that there are still some gaps with foreign countries about development model in the Internet banking, business scope, policies and regulations. Also pointed out that the existence of Chinas Internet banking network infrastructure is insufficient, the products and services is homogenous, network security and other issues, the last to address these issues and put forward Chinas banks to enhance their networking, marketing efforts, network security and the relevant laws and regulations, etc. strategy, so that online banking in China long-term, stable development. Keywords: Internet banking; Development model; Network security 目 录 1 网上银行业务概述 1 1.1 网上银行业务的概念 1 1.2 网上银行业务的种类 2 1.3 网上银行业务的特征 2 1.3.1 虚拟化银行 3 1.3.2 个性化银行 3 1.3.3 交互性银行 3 1.3.4 创新型银行 3 1.4 国外网上银行的发展现状及经验与教训 4 1.4.1 国外网上银行的发展现状 4 1.4.2 国外网上银行的经验与教训 4 2 国内商业银行网上银行业务发展分析 6 2.1 国内商业银行网上银行业务发展环境分析 6 2.1.1 电子商务迅猛发展 6 2.1.2 中国经济增长速度快，居民财富增多 7 2.1.3 计算机技术完善，Internet用户增