我国网络银行发展的问题、趋势及对策  

Study on the Development Issues,Trends and Countermeasures of Online Banking

作　　者：姚中杰[1] 张洁 

机构地区：[1]山东工商学院半岛经济研究院,山东烟台264005 [2]陕西松毅软件开发有限公司,陕西西安710000

出　　处：《金融教育研究》2014年第6期44-48,共5页Research of Finance and Education

摘　　要：网络银行作为始于上世纪末的一种新兴金融业态,在我国得到了极其迅猛地发展。但网络银行的"虚拟性"特征却给监管、技术、运营、业务等方面带来了新的挑战。随着大数据、云计算、网络功能的拓展和应用,网络银行业务竞争性创新将更加激烈,且日益趋向便利化、虚拟化。因此,需要建立健全相关法律法规;升级网络安全技术;加快全社会信用体系建设。As an emerging financial format which began in the last century, online ly in China. However, its ＂virtual sex＂ feature brings new challenges in the regulatory banking is developing rapid- , technical, operational, business. With the development and application of big data, cloud computing and network functions, the competitive innovation of online banking business will become more intense and tend to facilitation and virtualization. Therefore, it is more necessary to establish and improve relevant laws and regulations ; upgrade network security technology; and strengthen the construction of credit system of the whole society.

关 键 词：金融 网络银行 发展趋势 

分 类 号：F832.2[经济管理—金融学]