国有商业银行网络化建设与发展-金融学专业论文.docxVIP

y y 主53《60 提 要 _，今天，网络技术的发展带动了全球经济的快速增氏。二十一世纪世界各个行 } 业步入了一个以新经济为特征的网络时代。如何更好的利用互联网技术，丰富自 身的科技含量，提高竞争力，是世界各困银行解决生存与发展问题的关键所在◆“ 本文首先分析了国内、外商业银行网络化的进程，特征及其给传统银行业带 来的变革。结合我国国有商业银行面临经济全球化的影响、电子商务的兴起、及 加入WTO以后来自外资银行的竞争等因素．指出要实现可持续的发展，银行网络 化是必由之路。再经过比较分析国、内外银行网络化的现状，总结出国有商业银 行网络化建设的不足之处，笔者提出应在两个方面发展网络化建设：一是，在发 展策略上明确网上银行的发展模式和分阶段、有步骤的推动业务应用；二是，在 网络化的环境建设方面加强安全交易和法律监管。未来国有商业银行网络化发展 的方向上，建议建立集中统一的数据仓库和数据处理中心，以及实施行业间联合 发展的目标，并提出可行性发展方案，勾勒出国有商业银行网络化发展的基本框 架。 关键词：银1翟络化互联Y-,网网一够电移务蛩，囝葫商业银V行 The The Construction and Development of the State．Owned Commercial Bank Networking (summary) 、Today,the development of network technology has spurred the fast growth of global economy．In the twenty—first century，every trade has stepped into a network Era which is typical of New Economy．How to make better use of the network technology,to enrich the science and technology of it，to improve competitive power is the key to solve subsistence and development of the banks of the world At first，I analyse the process of domestic and foreign banks’ network，and characteristic of it and great changes which it brings about to traditional bank．With the economic globalization’S effect which our state-owned commercial banks are facing，the rising of E—business and the competition from foreign banks after our country joins WTO etc，I think bank networking is the only way to realize the sustained development．By comparing and analysing present situation of domestic and foreign banks’network，I summarize the deficiency of our state—owned banks’network construction．There are two pieces of suggestions for developing network construction；First，we should define internet banks’developing mode and promote the application of business step by step；Second，we should reinforce safety dealings and law supervising on networking surroundings．For the state—owned banks’ developing developing orientation of network，I suggest that we should found concentrated Data Warehouse and Date Processing Center, and implement CO—develop