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依托信息技术和互联网的发展,网络银行成为一种新兴的金融服务。人们越来越意识到其快捷、便利、低成本的优势和广阔的发展前景。与西方发达国家相比,网络银行服务在我国金融行业的发展可谓刚刚起步,所提供的服务实质上是传统金融业务在网上的拓展和延伸。因此,我国网络银行的发展环境还不是很成熟和完善,在发展及监管的过程中存在不少的问题。本文在分析我国网络银行监管问题的基础上提出了六点措施和建议来保障我国网络银行的健康发展。
Relying on the development of information technology and the Internet, online banking has become an emerging financial service. People are more and more aware of its advantages of fast, convenient, low cost and broad prospects for development. Compared with the developed countries in the west, the development of online banking services in China’s financial industry has just started. The services provided are essentially the expansion and extension of the traditional financial services on the Internet. Therefore, the development environment of internet banking in China is not yet mature and perfect. There are many problems in the process of development and supervision. Based on the analysis of the supervision of internet banking in our country, this article puts forward six measures and suggestions to ensure the healthy development of internet banking in our country.