网络银行的产生与发展

摘　要

子商务的发展给银行业带来了机遇。我国网络银行现阶段的发展目标应定位于利用网络树立良好的企业形象 ,形成传统银行业务和网络银行业务“两条腿”走路的格局。走出一条符合中国银行业实际情况的网络银行发展道路。

关键词：网络银行;电子商务;信用机制

目    录

1网络银行的概述·····················································3

1.1网络银行的分类和功能···········································3

1.2网络银行的安全性·············································3

2 网络给银行业带来的机遇············································4

2.1网络化极大地拓展了银行业务领域和发展渠道···················4

2.2网络化有利于人才结构调整，加快专业零售人才队伍建设············4

3网络给银行业带来的挑战·············································5

3.1网络化使银行发展面临改变客户消费观念的难题···············5

3.2网络化给银行网络建设和网络安全提出更高要求············5

3.3网络化给银行信息化带来全新挑战·················6

3.4网络化要求银行转变经营理念和经营策略···················6

3.5网络化要求银行建立更为完善的风险和客户管理机制·············6

4  我国网络银行发展所面临的难题·····································7

5 中外网络银行发展的差距············································8

6 我国网络银行发展的对策············································9

7 结论·····························································10