网络银行发展的问题及对策

网络银行具有传统商业银行运行方式难以比拟的优势，是商业银行实现集约化经营和利润最大化的必由之路。它对传统商业银行的经营理念、管理模式、运行机制提出了崭新的课题。目前我国网络银行业务开展基本上集中在网络使用广泛的地区，但所提供的服务也仅限于账户信息查询、转账付款等方面，还不能涉及贷款、投资等方面。运用高技术尤其是发展网络银行将成为外资银行首选；我们应积极采取相应对策，大力推进我国网络银行的发展。

On the Development of the Network Banks in China and the Countermeasures

The paper points out that the network bank system which owns incomparable advantages over the traditional commercial banks can provide the concentrated management and the maximum profits as well. However, new notions such as management modes and running mechanism result in. The paper, based on the analysis of the status in quo and problems with the network banks in the mainland China, advances suggestions and relevant countermeasures about business development of the network bank system in the mainland China.