加入WTO后我国网上银行发展问题研究

Research in the development of internet after entry to WTO

中国加入WTO ,带来了国外强有力的金融界竞争对手。通过信息化的优势进入中国金融市场将是国外金融公司的优先战略。网上银行对传统的货币交易和支付方式提出挑战 ,使银行的传统经营管理理念发生了重大的转变 ,加大了货币供应量的调控难度 ,且极大地促进了电子商务的发展与创新。然而在网上银行的发展中仍然存在许多值得思考的问题 ,为了迎接入世挑战 ,配合金融信息化建设的战略有必要从金融调控、金融监管与金融立法等方面进行思考与研究 。

The development of IT has changed the banking form and made Internet banking become a new opportunity in the financial business all over the world, especially for China after entry to WTO Internet banking challenges the traditional payment pattern, makes influence in money supply, helps to make the economy virtual and improves business innovation But there are also many problems that exist in the progress for example, issues with security, difficulties in financial supervision and so on [