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1、中文摘要近年来，随着网上银行的普及，从个体消费者网上支付、转账汇款、信用卡支付等方式，到企业的用户查询、转账结算等，网银正凸显纵向发展的态势。但目前我国网上银行发展仍然处于初级阶段，各家网上银行也暴露出一些明显的缺陷。本文从我国网上银行现状出发，对其存在的安全保障薄弱、业务创新缺乏、技术手段滞后、专业人才匮乏、立法监管不完善等五方面问题进行分析，同时借鉴国外网上银行成功的经验：完善的风险控制机制，网上银行业务的创新，不断强化的技术手段，丰富的专业人才储备，健全的法律体系和经营环境等。最后，提出进一步发展我国网上银行的策略：首先要提高网上银行的安全性，
2、加强网上银行业务品种的开发力度，推出有特色的个性产品；然后加快技术革新的速度，加大人才培养力度；最后建立行之有效的监管机制。关键字：网上银行；网络安全；业务创新；发展策略AbstractWiththeincreasingpopularityofe-bank,peoplearemorelikelytouseitforallkindsofmonetaryoperations,frompersonalaffairsofonlinepayment,banktransferandremittance,creditcardspaymenttoareasofuse
3、rs’enquiry,transferandsettleaccountsforenterprises.Theinternetbankisnowobviouslygrowinginatrendoflongitudinaldevelopment.However,thedevelopmentofonlinebanksinChinanowadaysisstillontherudimentarystage,themajorityofe-bankshaverevealedsomeobviousdefectsmoreorless.Focusesonthisphen
4、omenon,thisarticlestartsthepointofviewfromthecurrentinternetbank’ssecurity,atthesametimeaimingatanalyzingfollowing5maindefects:weaksafetyofusers,insufficientinnovation,technologiesstagnation,talentsshortageandimperfectlaw.Meanwhile,itgainsexperiencesfromsuccessfulforeigne-banke
5、ntrepreneur'sexamplesinareaslikecompletedrisk-controlmechanism,e-banksbusinessinnovation,ever-strengtheningtechniques,abundantstorageofprofessionals,perfectlawsystemandmarketingenvironment.Ultimately,itputsforwardsomestrategiesforfurtherdevelopmentofdomestice-banks,asfollowing:
6、firstly,improvingonlinebank'ssecurity,intensifyingexploitingforcesofinternetbank’sservicesandprovidingspecializedproducts.Then,speedingtechniqueinnovationandreinforcingthepoweroftalentscultivation.Lastbutnotleast,settingupefficientsupervisingsystemstoensureahealthieronline－trad
7、ingenvironment.Keywords:onlinebanking;security;innovation;developmentstrategy目录摘要…………………………………………………………………………………ⅠAbstract……………………………………………………………………………Ⅱ目录…………………………………………………………………………………Ⅲ前言…………………………………………………………………………………1一、我国网上银行存在的问题……………………………………………………2（一）安全保障薄弱…………………………………………
8、……………………2（二）业务创新缺乏………………………………………………………………3（三）技术手段滞后……
