淺析我國(guó)網(wǎng)絡(luò)銀行的發(fā)展現(xiàn)狀及存在問(wèn)題

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【摘要】1995年10月美國(guó)“安全第一網(wǎng)絡(luò)銀行”誕生以來(lái)，網(wǎng)絡(luò)銀行借助現(xiàn)代信息技術(shù)，以其低成本、高效益、方便快捷、應(yīng)用廣泛等特點(diǎn)，顯示了強(qiáng)大的生命力，正在成為金融機(jī)構(gòu)拓寬服務(wù)領(lǐng)域、實(shí)現(xiàn)業(yè)務(wù)增長(zhǎng)、調(diào)整經(jīng)營(yíng)戰(zhàn)略、促進(jìn)金融發(fā)展的重要手段。本文著重分析了我國(guó)網(wǎng)絡(luò)銀行發(fā)展的現(xiàn)狀，并通過(guò)和國(guó)外網(wǎng)絡(luò)銀行發(fā)展的對(duì)比，針對(duì)存在的問(wèn)題和制約因素提出了我國(guó)網(wǎng)絡(luò)銀行發(fā)展的對(duì)策和建議。

【關(guān)鍵詞】網(wǎng)絡(luò)銀行 業(yè)務(wù) 技術(shù)風(fēng)險(xiǎn) 監(jiān)管

Abstract：In October 1995 the United States "safety first Internet banking" Since the birth of online banking relying on modern information technology, with its low-cost, high-efficiency, convenient and widespread application of the characteristics demonstrated strong vitality, is a financial institution to broaden the area of services, and achieving business growth, to adapt business strategies, promoting the development of important financial means. The analysis focused on the development status of my Internet banking, and through the development of Internet banking and foreign contrast to the problems and constraints to the development of our Internet banking responses and suggestions.
Key words: Internet Banking; Business; Technical risks; Supervision
按照國(guó)際巴塞爾銀行監(jiān)管委員會(huì)的定義，網(wǎng)絡(luò)銀行是指那些通過(guò)電子通道提供零售與小額商品和服務(wù)的銀行，例如提供存貸、電子商務(wù)、帳戶管理等服務(wù)。從廣義上看凡是基于獨(dú)立的網(wǎng)站為客戶提供有關(guān)銀行業(yè)務(wù)與信息服務(wù)的銀行均可稱為網(wǎng)絡(luò)銀行。而要從嚴(yán)格意義來(lái)講目前中國(guó)的網(wǎng)絡(luò)銀行只能稱為在傳統(tǒng)銀行業(yè)務(wù)基礎(chǔ)上提供的一些網(wǎng)絡(luò)銀行。