我国网上银行发展现状、问题及成因分析

我国网上银行数量、规模持续增长的过程中，也存在着安全性不足、金融服务水平低、银行传统业务基础薄弱等问题。产生问题的主要原因在于银行业缺乏竞争力、缺乏专业的网络金融人才、中间业务经验不足、客户分层不明确、电子货币发展滞后等。

The Analysis of Current Status, Problems and Causes of China's Electronic-Banks

Along with the continued growth of the Electronic-banks＇ number and scale in our country, there are some problems, that is, lack of security, the low level of financial service, the vulnerable fundation of the traditional banking and etc. The main reasons that cause the above problems are as follows： the bankings are lacking of competition; they haven＇t enough professional net-financial staff; the intermediate staff are not experienced enough; the level of the clients are not clear, and the development of electronic currency lag behind and etc.