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1、长江师范学院本科毕业论文•商业银行网上银行业务发展问题研究摘要随着科学技术的快速发展,特别是计算机互联网技术的突飞猛进,各家商业银行纷纷开办了网上银行业务。网上银行业务的开展,在为银行带来逐步上升的利润空间时,也给广大客户带来了便利。本文从商业银行网上银行业务入手,综合利用理论与实际相结合法、比较研究方法、文献法分析我国网上银行产生的背景、现状、原因以及遇到的问题,从而提出了相应的对策。文章分为五个部分,第一部分是概述,介绍了网上银行业务的界定、分类,还从网上银行的特征与优势、功能两方面阐述了网上银行业务对于整个银行的影响;第二部分主
2、要讲述了国内外网上银行业务发展状况;第三部分分析了我国网上银行业务发展原因及现状;第四部分指出了我国网上银行业务发展存在的问题;第五部分是针对我国网上银行业务发展问题提出强化安全防范措施、推进信用环境建设、出台并优化相关法律法规、提供个性化服务、重视人才培养、加大营销宣传力度等建议。关键词:网上银行;业务;发展;研究officiallyestablishedonJuly1,2013,Yibincity,formerlyknownasthebus,integratedoriginalrongzhoubuscompanyinYibinci
3、tyandMetrobuscompany,formedonlyinYibincityofaState-ownedpublictransportenterprises,thecompanyconsistsofoneortwo,thirdDivision.IntegrationofpublictransportservicesisnotyetestablishedII长江师范学院本科毕业论文•商业银行网上银行业务发展问题研究AbstractWiththehigh-speeddevelopmentofscienceandtechnology
4、,especiallytherapiddevelopmentofcomputerInternettechnology,bankshavestartedthebusinessonthenet.Forthedevelopmentofonlinebanking,banksnotonlyincreasetheprofitspacegradually,butalsobringconveniencetothecustomers.Thisarticleproceedsfromtheonlinebankingbusinessofcommercialb
5、anks,syntheticallyutilizingthecombinationwiththeoryandactualmethod,comparativemethodanddocumentarymethodtoanalysisbackgroundofBanksinourcountry,presentsituationandproblems,andputsforwardthecorrespondingcountermeasures.Thearticleisdividedintofiveparts.Thefirstpartisanove
6、rviewofclassificationdefinitionofonlinebanking.Itintroducesthedefinitionofonlinebankingandalsofromtwoaspects:thecharacteristicsandadvantagesofonlinebankingfeaturesthispaperexpoundstheinfluencesoftheonlinebankingfortheentirebank.Thesecondpartfocusesontheonlinebankingdeve
7、lopmentstatusathomeandabroad.ThethirdpartanalyzesthereasontothedevelopmentofonlinebankinginChinaandthepresentsituation.ThefourthpartpointsouttheexistingproblemsinthedevelopmentofonlinebankinginChina.Thefifthpartputsforwardtostrengthensecuritymeasures,suchaspromotingthec
8、onstructionofthecredit,introducingandoptimizingtherelatedlawsandregulations,providingpersonalizedservice,attac