网络银行及其发展对策

On the Development of the On-line Banking

网络银行正以其广泛的信息资源、独特的运作方式,日益引起各国金融业的重视。伴随网络银行的发展出现了网络安全、相关法律适用性、业务标准、管理风险和监管困难等方面的问题。处于初级发展阶段的我国网络银行存在的主要问题是缺乏全国统一的CA认证、缺乏相关的业务规范和法律约束以及网络建设水平低。需要从完善网络银行的网络安全体系、建立和完善安全认证和业务运行的法律规范、加强产品开发和营销管理、加强有效监管和安全防范等方面寻求我国网络银行的发展对策。

The on-line banking is bringing increasingly to the attention of financial circles of the world to its wide-ranging infomation resources and its unique operating style. The issues of network securty, legal suitability, business standard, risk of management and difficulty in supervision emerge alongside the development of on-line banking. The principal problems existing in the primary stage of developing on-line banking are the lack of the nation-unified CA authentication. the lack of the business standard and the legal restraint and the lower lever of its network building.