网络银行发展现状和前景探析

随着网络时代的到来，全球金融业面临着巨大的机遇和挑战。网络银行作为一种新兴的银行服务方式，与传统银行相比显示出许多优势，其发展趋势已不可逆转，但它本身也存在着许多有待解决的问题，如何准确地把握网络银行的发展现状和未来趋势，扬其长避其短，已成为国内外金融业发展的重大现实课题。本文从网络银行的定义、优势和存在的问题以及发展前景和对策等三个方面进行了探讨。

Study on the Current Situation and Future Tendency of Internet Banking

With the coming of Internet banking,great opportunities and grim challenges accompany the global banking field.Compared with the traditional banking,the Internet banking,a kind of rising bank service,has highlighted its advantages,and such new trend cannot be reverted.Whereas the Internet banking as such also has some urgent problems to solve.How to correctly estimate current situation and future tendency of Internet banking so as to make good use of its advantages in stead of disadvantages,is now becoming a significant practical subject in global banking field.The thesis here discusses the above question in three aspects as follows:(1)the definition of Internet banking;(2)the advantages and disadvantages of Internet banking;(3)current situation,prospect and countermeasure.