浅析我国电子银行的现状与发展.docVIP

浅析我国电子银行的现状与发展 ［摘要］网络和汁算机行业的迅速崛起，电子银行依托网络的发展已成为金融服务的必由 之路，电子银行衍生出的多功能创新的产品也如雨后春笋般壮大发展，加入世贸以来更多外 资与人民币业务会为国内银行业带來产业的革命，随着全球金融一体化银行业的竞争也走向 了白热化。在这种大背景之下，如何大力发展在电子银行领域的金融创新，将成为我国银行 业面所临的重要课题。木文就在此背景下，结合我国商业银行电子银行的发展现状，总结和 归纳其在发展中存在的问题，并提出相关解决对策。 Reflection on Brand with personality and CRM at the age of information [Abstract] The rapid rise of the network and the computer industry, electronic bank depends on the development of the network has become the only way for financial services, the multi-functional innovation of products is also derived from electronic banking have sprung up to thrive, more foreign investment since the entry into the WTO and the RMB business will bring domestic banking industry revolution, as the global financial integration of the banking industry competition to a climax. Under this big background, how to develop the financial innovation in the field of electronic banking will be face the important topics in China’s banking industry. This article is against this background, the current situation of development of our country commercial bank electronic bank, summed up and summarized the problems existing in the development of its, and puts forward relevant countermeasures. [Key Word] Commercial Banks Electronic banking Financial innovation 目录 TOC \o 1-5 \h \z 弓丨 W 1 HYPERLINK \l bookmark3 \o Current Document \h 一、 电子银行相关概述 1 HYPERLINK \l bookmark4 \o Current Document \h （一） 电子银行的定义 1 HYPERLINK \l bookmark5 \o Current Document \h （二） 电子银行的分类 2 HYPERLINK \l bookmark6 \o Current Document \h （三） 电子银行的优势 2 HYPERLINK \l bookmark7 \o Current Document \h 二、 我国电子银行发展现状 3 HYPERLINK \l bookmark8 \o Current Document \h （一） 电子银行普及率提高 4 HYPERLINK \l bookmark9 \o Current Document \h （二） 电子银行业务功能逐步丰富 5 HYPERLINK \l bookmark10 \o Current Document \h （三） 电子银行交易S和客户S:迅速增长 5 HYPERLINK \l bookmark11 \o Current Document \h 三、 我国电子银行存在的问题与发展的制约因素 5 HYPERLINK \l bookmark12 \o Current Document \h （一） 电子银行转换传统经营管理理念的问题 6 HYPERLINK \l bookmark13 \o Current D