我国个人网上银行金融服务存在的问题与对策建议.doc

四川大学锦城学院本科毕业论文 我国个人网上银行金融服务存在的问题与对策建议 PAGE PAGE 20 我国个人网上银行金融服务存在的问题与对策建议 摘 要 互联网的发展推动了金融电子化的发展，网上银行在这种大潮流下应运而生，也因此掀起了一股网络风潮。然而，我国的网上银行起步较晚，存在着网上银行发展过程中的一般性问题。目前，网上银行在继承网络便捷高效优势的同时，也出现了安全性差、金融立法和监管不健全、网上银行业务创新能力弱、专业人才的缺乏等问题。这些都严重影响了我国网上银行健康有序的发展。 本文介绍了我国网上银行的发展现状，并将进一步提出了个人网上银行存在的特点。而与传统银行相比较而言，又具有其突破交易时间限制、节约交易运营成本、服务更标准化、多样化和个性化等优势。依据我国个人网上银行业务发展的现状分析其存在安全、法律、服务、创新四大主要方面的问题，并对这四大问题产生的原因做了具体分析，最后提出了若干发展策略方面的建议。从而为网上银行新的发展阶段提供了更丰富、更方便、更快捷、更安全、更高效的产品和服务，以此来满足客户对网络银行多样化服务需求。 关键字：网上银行 安全 监管 创新 Problems in our personal online banking financial services and suggestions Major: Finance Student: Shen HongLi Supervisor: Deng QiZhi Abstract The development of the Internet to promote the development of e-finance, online banking came into being in this trend, and thus set off a wave of wave network.However, online banking in China started late, there are general issues in theprocess of development of Internet banking. At present, online banking convenient and efficient advantage of inheritance networks at the same time, there have poor security, financial legislation and regulation is not perfect, online banking innovation capability is weak, the lack of professionals. Which are seriously affected thehealthy and orderly development of online banking. This article describes the development status of Chinas online banking, and furtherfeatures of the Personal Internet Banking. Compared with the traditional banks, but also has to break through the trading hours restrictions, saving the cost of trading operations, services, standardization, and other advantages of diversification and personalization. Analysis there are four main aspects of security, legal, service, innovation, and four questions causes specific analysis based on the development status of Chinas personal online banking, and concludes with the recommendationsof a number of development strategies. Provides a richer, more convenien