目 录
引 言······················································3
网上银行的概念及运行特点····································4
网上银行的概念············································4
网上银行的特点············································4
我国网上银行的发展历程及现状································5
我国网上银行的发展历程及现状······························5
我国银行网上银行业务的比较································8
四、我国网络银行发展存在的问题··································8
（一）法规滞后网络银行··········································8
（二）安全隐患··················································8
（三）技术风险··················································8
（四）功能有待完善，拳头产品较少································8
（五）售后服务不到位，市场培育能力差····························8
（六）思想认识不到位，管理工作薄弱······························9
五、我国网上银行面临问题的应对对策······························10
（一）法律法规··················································10
（二）把传统营销渠道和网络渠道紧密结合··························10
（三）加大电子银行产品和功能的整合力度··························10
（四）健全服务体系，提高服务质量································10
(五)提高网银的技术水平，强化网银立法监管························11
（六）规范员工培训，强化部门职责································11
六、结论························································12
参考文献························································13
内 容 摘 要
网上银行作为21世纪一种新兴的金融业,其低廉的成本和广阔的前景,已越来越得到人们的重视。伴随着信息化、数字化和网络化的发展浪潮，网上银行不断地高速发展，功能不断地完善，业务量不断地迅速增加，我国越来越多的金融机构开始加快网上银行建设步伐。
其低廉的成本和广阔的前景，已越来越得到人们的重视。网上银行在中国的发展可谓刚刚起步，面临种种困难，我国在发展网上银行应采取如下对策:营造我国网上银行发展的良好环境；培育我国网上银行主体积极发展；加强对网上银行的有效监管。
