西方发达国家网络银行的发展及其启示

The development and its enlightenment to the network banks of western developed countries

网络银行是指那些通过电子通道,提供零售小额产品与服务的银行。这些产品服务包括:存贷、账户管理、金融顾问、电子账务支付,以及其他一些诸如电子货币等电子支付的产品与服务。电子商务的发展,为银行提供了新的服务领域和方式,这为即将纳入世界金融体系的中国银行业,特别是新兴的中小银行带来新的机遇。随着电子商务的发展,网上银行是必然趋势。

Along with the world economics integration and thc economical finance, the banking industry steep competition external pressure and the commercial bank pursue the profit maximization the intrinsic power to force the various countries＇ banking industry to develop and to carry out the implementation electronic commerce and the network bank in abundance. The network bank is refers to these through the electronic channel, provides the retail sales and the jot product and the service bank. These product services includes： Saves the loan, the account management, financial consultant, the electronic book keeping payment, electronic payment and so on and all that some such as electronic currency product and service.