陈家伟中国网络银行现状及进展对策讨论中国网络银行现状及进展对策讨论摘 要信息产业的进展推动了金融电子化的进展，网络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。网络银行是技术进步和金融产业相结合的产物，具有服务方便快捷高效、经验成本低廉和提供个性化服务的特点，利用网络银行用户能够很便捷的查询账户信息、转账等日常操作。另外，网络银行能够突破地域和时间的限制，提供个性化的金融服务产品，将“客户中心主义”融入银行经营的全过程。然而，中国的网络银行起步较晚，存在着网络银行进展过程中的一般性问题，本文经过对中国商业银行网络银行业务进展的现状和存在问题的分析，从运作过程、业务进展和安全隐患三个方面指出网络银行在进展过程中的不足，并提出提出相对于的若干进展策略方面的建议，希望得得到银行的相关重视。愿国内网络银行的体系和架构在未来的进展中更加完整、更加美好。 关键词：网络银行；进展模式；未来进展趋势；策略Research on the current situation and development strategy of China's Internet BankingAbstractWith the development of the information industry, the financial electronic has been promoted. In this tide Internet banking came into being and set off a wave of network. Internet bank is the product of combination of technology and financial industry, with the features of fast and efficient services, low cost and provide personalized service, It is very convenient for users to check their account ,transfer and other day-to-day operations by Internet banking. In addition, Internet banking can break through the restrictions of region and time, and provide personalized financial services products, putting the idea of "customer center" into the whole process of bank management. However, the Internet banking of our country starts relatively late, there is a general problem in the development of Internet bank. In this paper, we analysis the status of our country’s Internet banking of commercial bank development and the existing pr...
