新时期我国网络银行业务发展制约因素及对策

The Constraints for Internet Banking Business in China and Its Strategies

文章从竞争因素、风险因素和制度因素三个角度分析阻碍我国商业银行进一步发展的问题:网络银行业务发展的同质化,来自第三方支付的竞争压力大,关键技术依赖于国外IT公司,网络银行存在技术安全风险,制度不够完善。针对这些问题,我国商业银行应在同业竞争中利用新技术形成差异化的网络银行服务,拓宽与第三方支付合作,创新业务发展,不断加强网络银行业务发展的风险管理,并且明确网络银行服务中民事责任的分配机制。

This paper analyzes the Chinese commercial banks＇ network bank business development constraints in new period, respectively from three angles of competitive factors, risk factors and institutional factors. At present Chinese commercial bank exist problems： homogeneity of network bank business development, the competition pressure of the third party payment, key technology dependent on foreign IT companies,network bank exists security risks, the system is not perfect. Aiming at these problems, this paper argues that in competition with the new technology form the differences of Internet banking services, broaden third party payment cooperation, innovation and business development,strengthen the risk management of Internet banking business development in commercial banks, and define the allocation mechanism of the network banking service in civil liability.