网络银行的产生与发展

内容摘要·························································1 

一、 引  言······················································2

   （一）网络银行产生的背景······································2

   （二）网络银行产生的必要性····································2

二、网络银行的产生···············································3

   （一）产生的背景··············································3

   （二）产生的原因··············································3

三、网络银行的发展···············································4

（一）发展阶段················································4

   （二）发展趋势················································4

四、网络银行的现状及问题·········································4

（一）西方国家的网上银行发展战略······························4

（二）我国网络银行发展现状····································5

（三）对我国网银现状的调研结果································5

（四）我国网络银行发展存在的问题······························6   

五、发展我国网络银行的对策建议···································7

参考文献·························································9

内 容 摘 要

网络银行又称网上银行、在线银行，是指银行利用网络这一平台，通过 Internet 向客户提供包涵开户销户、查询、对帐、行内转账、跨行转账、信贷、证券、投资理财等的各类线上服务项目，使客户可以足不出户就能够安全便捷地管理活期和定期存款、支票、信用卡及投资理财等服务。

网络银行是一种虚拟银行柜台。它不受时间、空间限制，能够在任何时间(Anytime)、任何地点(Anywhere)、以任何方式(Anyway)为客户提供金融服务。网络银行是传统银行不断发展的产物。本文探索的就是网络银行的产生和发展。

首先介绍了网络银行，通过网络银行产生的历史条件、经济条件、政治条件与环境因素，了解网络银行相关的业务，论述网络银行业产生必要性。并说明网络银行相对于传统银行所具有的独特的功能，结合国外网络银行与中国网络银行的产生、特点、现状以及发展前景进行比较。由此对我国网络银行的现状引起反思，发现我国网络银行存在的主要问题，最后针对我国网络银行存在的问题，提出了相应的策略。