网上银行安全支付问题探究

Research on Online Payment Security

社会经济的发展,特别是电子商务以及银行业务的不断拓展,对银行业务的快速、便捷、方便等方面都提出了新的要求。在传统的商业银行运营模式下,顾客到银行办理业务往往需要等待较长时间,银行需要投入大量的人力、财力进行网点建设,却又很难保证客户的整体满意度,所以网上银行逐渐成为人们办理金融业务的新选择。在这种大环境下,特别是伴随着互联网技术以及互联网终端设备的发展和普及,网上银行如同雨后春笋般发展起来,其业务覆盖范围和业务量也在逐日飙升。网上银行的发展为人们的日常生活提供了便利,但与此同时也出现了一系列问题,其中最关键的就是网上银行安全支付问题。因此,提出有针对性的安全措施,促进国内网上银行支付业务更为安全、有序、科学地开展,尤为重要。

With the social economic development, especially the electronic commerce and the expanding of the banking business, the characteristics of the banking business fast, convenient, convenient and has put forward the new requirements. In the traditional commercial banking operation mode, the customer to the bank for business often have to wait a long time, the banks on the one hand, need to invest a lot of manpower, financial resources for network construction, on the other hand, it is difficult to guarantee the overall customer satisfaction, so the bank on the net has gradually become a new choice for the financial business people. In this environment, especially with the development of internet technology, the internet and the popularization of terminal equipment, internet banking development business coverage and business volume has soared in the daily. So it should put forward safety measures to make the domestic internet bank payment business for safer, orderly, scientific promotion.