网络银行:21世纪金融领域的一场革命

Internet Banking:A Revolution in Financial Scope in 21 st Century

以因特网为核心的信息技术革命 ,使网络银行在近些年来得到迅速的发展。网络银行不仅是一种金融创新 ,它的出现和兴起很有可能引发金融机构和经营管理模式、金融市场结构、金融业务运作方式等方面的一系列重大变革。而且它对现在的货币银行学、货币政策理论、银行组织理论也是一大挑战。网络银行业务也很有可能成为我国加入WTO后银行业面临的第一个严重冲击 ,对此进行研究已是当务之急。

Internet banking has been developing rapidly in reectn years thanks to information technology revolution with Internet as its core.Internet banking is not only a financial innovation.Its emergence and robust may probably trigger a series of deep reform in financial institute and operating and managing model,financial market structure and business operation.Its also a big challenge to present monetary banking,monetary policy theory and banking organizing theory.Internet banking business is propably the first challange that Chinese banking will meet after the entry into WTO.Therefore,the research on it becomes an urgent task.