摘要在21世纪银行业的竞争将不再是传统的竞争：国内竞争、服务质量和价格的竞争，而金融业和非金融业、国内外、网上银行和银行等多元化的竞争。面对金融市场上的激烈竞争,特别是入世后国外银行的冲击,我国商业银行在做好传统银行业务的同时,开展业务创新,尤其是建立网上银行,已成为其谋求发展的主要出路之一。网络银行不仅是一种管理模式的变化，而且还是银行的商业理念的一种革命。传统银行业的竞争是设立多个分支争夺市场，但不重视服务手段、服务创新的内容。相反，网上银行则是完全打破旧有的模式，给银行业带来一场新的变革。开展网上银行的相关研究，有助于推动我国的网银事业的发展及完善。本文在分析网络银行特征的基础上，剖析了我国目前网上银行发展的现状，指出我国的网上银行发展存在着运作、业务、安全方面的隐患，如果不及时治理，将会产生严重后果。本文建议我国在发展网络银行的同时应采取如下对策：营造我国网络银行发展的良好环境；培育我国网络银行主体积极发展；加强对网络银行的有效地监管等，对我国的网银发展进行宏观调控和管理，以推动我国网银的健康发展。关键词：网上银行；问题；对策IAbstractThetwenty-firstCenturybankingcompetitionwillnolongerbethetraditionalcompetition,domesticcompetition,thequalityofserviceandpricecompetition,butthefinancialindustryandfinancialindustry,domesticandforeign,onlinebankingandbankandotherdiversifiedcompetition.Inthefaceoffiercecompetitioninthefinancialmarket,especiallyaftertheworldtheimpactofforeignbanks,ourcommercialbanksdoagoodjobinthetraditionalbankingbusinessatthesametime,businessinnovation,especiallythebuildingofonlinebanking,hasbecomeoneofthemainwayfordevelopment.Internetbankingisnotonlyakindofmanagementmodechange,isbankingbusinessconceptofarevolution.Thetraditionalbankingcompetitionissetupmanybranchestocontendforthemarket,butdoesnottakethemeansofservice,serviceinnovation.Theon-linebankiscompletelybroketheoldpatterns,tothebankingindustrybroughtanewrevolution.Tocarryoutonlinebankingrelatedresearch,helpstopromoteourcountry'sbankingdevelopment.Thispaperanalyzesthecharacteristicsofthebankingnetworkbasis,analysisofChina'scurrentsituationofthedevelopmentofonlinebankinginChina,pointsoutthatthedevelopmentofonlinebanking,business,theexistenceofoperationsafetyrisks,ifnotintimemanagement,willhaveseriousconsequences.ThisarticlesuggestedthatinthedevelopmentofChina'snetworkbankshouldtakethefollowingmeasures:tocreateanetworkofBankofChina'sgoodenvironment;tobreedourcountrybankingnetworkofthemainpositivedevelopment;bankstostrengthenthenetworkofeffectivesupervisiononChina'sbankingdevelopment,macroscopicaladjustingcontrolandmanagement,inordertopromotethehealthydevelopmentofChina'sbanking.Keywords:Internetbanking;problem;countermeasureII目录一、绪论.........................................................1（一）研究背景......................................................................................................................1（二）研究意义......................................................................................................................1（三）研究框架及研究方法（见图一）..............................................................................2二、网上银行的发展现状...........................................3（一）中国的网上银行发展现状..........................................................................................3（二）重在品牌建设..............................................................................................................3（三）重视安全考虑..........
