我国网上银行发展的现状及问题研究.docVIP

本科毕业论文(设计) 题 目： 我国网上银行发展的现状及问题研究 学 院： 经济学院 专 业： 金融学2008级 姓 名： 祝天骄 指导教师： 龙琼华 2009年 6 月 5 日  摘 要 在21世纪银行业的竞争将不再是传统的竞争国内竞争服务质量和价格的竞争，而金融业和金融业国内外网上银行和银行等多元化竞争。面对金融市场上的激烈竞争,特别是世后国外银行的冲击,我国商业银行在做好传统银行业务的同时,开展业务创新,尤其是建立网上银行,已成为谋求发展的主要出路之一。网络银行不仅是一种管理模式的变化，是银行的商业理念的革命。传统银行业的竞争是设立多个分支争夺市场，但不服务手段服务创新。网上银行是完全打破旧有的模式，给银行业带来一场新的。开展网上银行。Abstract The twenty-first Century banking competition will no longer be the traditional competition, domestic competition, the quality of service and price competition, but the financial industry and financial industry, domestic and foreign, online banking and bank and other diversified competition. In the face of fierce competition in the financial market, especially after the world the impact of foreign banks, our commercial banks do a good job in the traditional banking business at the same time, business innovation, especially the building of online banking, has become one of the main way for development. Internet banking is not only a kind of management mode change, is banking business concept of a revolution. The traditional banking competition is set up many branches to contend for the market, but does not take the means of service, service in novation. The on-line bank is completely broke the old patterns, to the banking industry brought a new revolution. To carry out online banking related research, helps to promote our country s banking development. This paper analyzes the characteristics of the banking network basis, analysis of Chinas current situation of the development of online banking in China, points out that the development of online banking, business, the existence of operation safety risks, if not in time management, will have serious consequences. This article suggested that in the development of Chinas network bank should take the following measures : to create a network of Bank of Chinas good environment; to