我国商业银行加快网络化发展的思考

我国银行业尤其是国有银行 ,要在未来的发展和竞争中立于不败之地 ,必须积极发展和完善网络化经营。我国加入WTO后 ,外资银行与我国银行竞争的主要领域将集中在网络银行业务上 ,因此 ,我国商业银行必须加快发展网络化。分析了网络银行的发展趋势及优势 ;我国网络银行发展现状及存在的问题 ;我国银行网络化发展的迫切性以及加快发展和完善网络化的设想。

Reflections on Speeding up the Development of Net- Banking for the Commercial Banks of China

The development of the net_based economy has made net_banking possible which applies the new technology to manage and innovate the main body of banking. Net_banking has also become the trend of development of world banking in the 21st century. In order to survive in the development and competition in the future, it is also imperative for the banking of our country , especially the state_owned commercial banks to adapt to this trend and take the initiative in developing and perfecting the operation on the net.This paper analyses the trend of development and the advantages of net_banking,the problems and current situation of the development of net_banking in China,the challenges that are brought to the Chinese commercial banks after China enter WTO, and the tentative plan for the commercial banks of our country to quicken and perfect the operation on the net.