我国网络金融发展的制约因素及其对策-毕业(学术)论文设计.docVIP

南华大学经济管理学院毕业论文 PAGE iv 我国网络金融发展的制约因素及其对策 摘要 摘要：传统金融业随着网络经济的飞速发展而日新月异，以电子支付、网络交易为特征的网络金融运行模式也逐渐被人们所接受并日臻成熟。本文通过对网络金融的概念、特点的深入考察和对网络金融几个典型产品的简单介绍，着重分析了我国网络金融发展面临的几个制约因素，最后在结合我国实际国情和制约因素的基础上提出了几项推动我国网络金融进一步发展的对策。 关键词：网络;网络金融;制约因素;对策 The Constraints and Countermeasures of the E-financial Development in China Abstract Abstract：With the rapid development of the network economy,the traditional financial industry changes dramatically,electronic payment and network transactions characterized by e-financial operation mode has gradually been accepted and matured. Through the concept,features in-depth investigation of e-finance and the simple introduction of a few typical products of the e-finance,this article has emphatically analyzed several constraints which our country network finance development faces. Finally,on the basis of the combination of Chinas actual conditions and constraints,this article presents several countermeasures to promote further development of Chinas e-finance. Key Words：network ; e-finance; constraint; countermeasure 目　　录 TOC \o 1-2 \h \z HYPERLINK \l _Toc326157036 摘要 PAGEREF _Toc326157036 \h i HYPERLINK \l _Toc326157037 Abstract PAGEREF _Toc326157037 \h ii HYPERLINK \l _Toc326157038 1 网络金融的基本理论 PAGEREF _Toc326157038 \h 1 HYPERLINK \l _Toc326157039 1.1 网络金融的概念 PAGEREF _Toc326157039 \h 1 HYPERLINK \l _Toc326157040 1.2 网络金融产生的背景 PAGEREF _Toc326157040 \h 1 HYPERLINK \l _Toc326157041 1.3 网络金融的特点 PAGEREF _Toc326157041 \h 2 HYPERLINK \l _Toc326157042 2 网络金融产品 PAGEREF _Toc326157042 \h 4 HYPERLINK \l _Toc326157043 2.1 网上银行 PAGEREF _Toc326157043 \h 5 HYPERLINK \l _Toc326157044 2.2 网上证券 PAGEREF _Toc326157044 \h 6 HYPERLINK \l _Toc326157045 2.3 网络保险 PAGEREF _Toc326157045 \h 7 HYPERLINK \l _Toc326157046 2.4 网络期货 PAGEREF _Toc326157046 \h 8 HYPERLINK \l _Toc326157047 2.5 电子货币 PAGEREF _Toc326157047 \h 9 HYPERLINK \l _Toc326157048 3 我国发展网络金融的制约因素 PAGEREF _Toc326157048 \h 13 HYPERLINK \l _Toc326157049 3.1 思想观念的制约 PAGEREF _Toc