电子银行个人结售汇业务发展中存在的问题和政策建议

The Existing Problems in the Development of Personal Exchange Settlement and Sales of Electronic Banks and Policy Suggestions

随着网络化信息化的快速发展,电子银行的交易形式已逐步代替传统柜台交易方式,交易量大幅提升,特别是在个人跨境外汇收付中,电子银行已成为个人结售汇业务办理的主要渠道。电子银行在便利性和个性化业务办理的同时,不时暴露出各种各样的问题,存在较大的管理和安全隐患。本文从电子银行个人结售汇业务发展的现状出发,梳理并提出相关的问题,提出合理化的解决建议。

With the rapid development of network and information,the trading way of electronic banks has gradually replaced the trading form of the traditional counter,and the trading volume has soared,particularly in personal cross-border foreign exchange receipts and payments,electronic banks has become the main channel to conduct the business of personal exchange settlement and sales.While the electronic banks have the features of convenience and personality,it is exposed all kinds of problems from time to time,and there exist larger management and security risks.Starting from the current situation of the development of the personal exchange settlement and sales of electronic banks,the paper sorts out relevant problems,and puts forward reasonable solutions.