目 录
内容摘要················································２
引 言·················································３
一、网络银行的定义·······································３
二、网络银行的产生·······································４
（一）网络银行产生的背景·······························４
（二）网络银行产生的原因·······························４
1．网络银行是网络经济发展的必然结果·····················４
2. 网络银行是电子商务发展的需要························４
3. 网络银行是银行自身发展并取得竞争优势的需要·············５
（三）网络银行的现状及特征······························５
三、网络银行的发展·······································６
（一）网络银行········································６
1、计算机辅助银行管理阶段······························６
2、银行电子化或金融信息化阶段···························６
3、 网络银行阶段······································６
(二) 网络银行的发展趋势································６
1. 从有形到无形——网络银行的发展加速银行虚拟化···········６
2.从封闭到开放一—电子货币的发展促进银行服务网络向全球开放·····················································７
四、网络银行的发展对社会经济的影响··························７
（一）促进商务创新·····································７
（二）促使经济活动虚拟化································7
（三）出现基础货币虚拟化的可能性·························7
五、网络银行存在的主要问题
（一）技术安全问题·····································8
（二）网络建设问题、电子支付手段、信用风险·················8
（三）银行电子化进程相对较慢·····························8
六、对我国商业银行的启示···································9
参考文献················································10
内 容 摘 要
中国加入WTO后，网络银行的创建和发展变得大势所趋，发展网络银行业务将成为我国金融领域新的经营契机和利润增长点，网络银行的发展将加速银行虚拟化，促进银行服务网络向全球开放。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。
