. . . . . . . 中小企业融资信用担保问题的研究 指导老师：焉涛 学生：朱莉萍 专业班级：财务管理 3 班 学号：7 日期：2011.12.05 . . . . . . . 目目录录 摘要.2 关键词：.2 引言.2 1 网上银行概述 .2 1.1 网上银行的定义及特征 .2 1.2 网上银行的运行特点 .2 1.2.1 金融业务创新的平台。 .3 1.2.2 业务智能化、虚拟化。 .3 1.2.3 服务个性化。 .3 2.我国网上银行的发展历程及现状.3 3.目前我国网络银行存在的问题.4 3.1 网络建设方面 .4 3.2 安全性和易用性的博弈 .4 3.3 我国网上银行的市场发展不均衡 .5 3.4 我国有关网上银行的法律法规不完善 .5 4.解决我目前我国网络银行存在的问题的措施.6 4.1 针对安全性和易用性问题 .6 4.2 针对我国网上银行发展不平衡问题 .6 4.3 针对网上银行业务的宣传和营销 .6 4.4 针对我国网上银行法律法规问题 .6 5. 我国网络银行的发展前景.6 5.1 网络银行业务将向多样化、创新化发展。 .6 5.2 网络银行业务的创新将会推动金融市场网络化发展。 .6 5.3 网络银行全球化、国际化发展趋势明显。 .7 参考文献：.7 . . . . . . . 摘要摘要 网上银行作为 21 世纪一种新兴的金融业，因其低廉的成本和广阔和前景，已 越来越得到人们的重视。网上银行作为现代银行业的重要组成部分，已成为银行经 营发展的本质要求。我国网上银行业务发展十分迅速，逐渐成为个人和企业获得金 融服务的一个重要渠道。本文介绍了网上银行的特征和发展历程，分析了我国目前 网上银行发展的现状，指出我国网上银行发展存在的问题并提出解决问题的方法建 议，在此基础上展望了我国网上银行的美好前景。本文拟在通过简要介绍网上银行 的定义及特征、网上银行的运行特点、网上银行的发展历程，重点分析我国网络银 行发展历程和发展的现状及存在的问题，尝试探讨促进我国网上银行发展的一些对 策措施及预测我国网上银行未来发展的方向。 Abstract online bank in twenty-first Century as a new industry, because of its low cost and broad prospects, have been gaining more attention. Internet banking as the important part of modern banking, the banks business development has become the essential requirement. China online banking business development is very rapid, has become a personal and business financial service is an important channel. This paper introduces the online banking features and development process, analysed our country the current situation of the development of online banking, pointed out that the development of online banking in China Problems and propose solutions to the problem, based on the prospect of Chinese Internet banks in the future. In this paper, through a brief introduction of the definition and characteristics of online banking, online banking, online banking operation characteristics of the development process, focusing on the analysis of Chinese network bank developing process and the developing present situation and the existence question, attempts to explore and promote development of online banking in China some countermeasures and forecast of Internet Bank in China the developing direction in the future. Abstract online bank in twenty-first Century as a new industry, because of its low cost and broad prospects, have been gaining more attention. Internet banking as the important part of modern banking, the banks business development has become the essential requirement. China online banking business development is very rapid, has become a personal and business financial service is an important channel. This paper introduces the online banking features and development process, analysed our country the current situation of the development of online banking, pointed out . . . . . . . that the development of online banking in China Problems and propose solutions to the problem, based on the prospectprospect ofof ChineseChinese InternetInternet banksbanks inin thethe future.future. InIn thisthis paper,paper, throughthrough a a briefbrief introduction of the definition and characteristics of online banking, online banking, online banking operation characteristics of the development process, focusing on the analysis of Chinese network bank developing process and the developing present situation and the existence question, attempts to explore and promote development of online banking in