网络银行与传统银行的比较分析

本文基于对网络银行与传统银行的比较分析,阐述了二者在性质特点、业务种类、经营管理模式、资产负债结构、风险管理,以及金融监管等方面的不同,本文的分析表明网络银行除了传统银行的共性外还具有自身的特性,这些特性决定了网络银行是未来各国银行业的发展方向,但网络银行也不可能完全取代传统银行。

A Comparative Analysis Between E-Banking and Traditional Banking

Based on a comparative analysis between e- banking and traditional banking,this paper expounds on their natures and features,business types,operational man- agement mode,asset liability structure,risk management, as well as different aspects of financial regulation.The anal- ysis suggests that e-banking has its own uniqueness besides common characteristics which shares with traditional bank- ing.This uniqueness makes e-banking the future direction of banking sectors in all countries,but it is not likely to replace traditional banking completely.