论网络银行的发展毕业论文.doc

论网络银行的发展
摘要
网络银行,又叫在线银行。1995年10月,美国成立了第一家纯网络银行——安全第一网络银行,从此银行业多一种新生事物、一种银行业发展的方向。网络银行自诞生以来,凭借其低成本、高效益、方便快捷、应用广泛等特点,显示了强大的生命力,成为银行业发展的趋势。随着经济全球化、信息经济的快速发展,我国与国外的经济联系越来越密切,国外的银行也纷纷进驻中国市场,而银行业的竞争必将激烈加剧。而网络银行在竞争中,必将成为一种竞争利器,使国内的银行立于不败之地。我国自1996年中国银行率先开设网站面向全社会提供网络银行业务以来,国内各大银行纷纷推出网络银行服务,我国银行的网络银行业务走上快速发展之路。目前,我国的网络银行业处于深入发展的阶段,摒弃了初级阶段的青涩,慢慢地走向成熟。本文首先介绍了网络银行诞生与发展的背景及其研究网络银行发展对我国银行业的意义,并指出当前国内外在网络银行研究领域所取得的成果;其次,阐述了网络银行的涵义,总结出网络银行虚拟化高、经营成本低、操作简单、突破时空限制、实现无纸化经营等特点,进而介绍我国网络银行发展历史与最新进展,紧接着分析最新的研究数据指明我国网络银行的发展趋势;再次,我国网络银行的发展也存在诸多问题,例如网络基础设施不完善、法律监管制度不健全、信用机制不成熟、网络安全防范措施不完善、业务创新不足等等;然后,通过对美国网络银行发展的认识,借鉴美国网络银行发展的成功经验;最后,提出我国网络银行健康发展的对策,加强监管:引入严格的市场准入制度、加强日常管理、把握好市场退出机制,强化网络安全,加大业务创新、培育网络银行品牌,当然最重要的是培养一批高精尖的网络银行人才。只有积极地使我国的网络银行处于健康良性发展之中,我国的网络银行才能发展的更好,服务的更好,让我们的广大用户享受科技与金融相结合带来的便利与新奇。
【关键词】网络银行现状经验对策
Abstract
The Bank, also known as online banking. In October 1995, the United States established the first work Bank security work Bank, a banking more from this new frontier, a banking industry development. work banks since the beginning, with its low-cost, high-efficiency, convenience, widely used, and other characteristics, shows the strong vitality, e a trend in the development of the banking sector. With economic globalization, the rapid development of the information economy, China's foreign economic ties and more closely, foreign banks are also stationed in the Chinese market, petition will be fierce. While work banks petition, will surely e petitive weapon, domestic banks are unbeatable. Since 1996 the Bank of China took the lead in the creation of the Web site for work banking, domestic banking introduce banking service, the Bank's banking business on the road to rapid development. At present, work of banking in the further development of the stage, the primary stage of paradoxical, slowly was maturing. This article first describes the birth and development of banking background and work Bank development on significance, and noted that the current domestic and Inte