网络银行:未来银行业发展的方向

Cyber-bank: the orientation of the development for banking industry

本文认为,计算机、网络技术的应用,电子商务的发展以及网络银行节省成本的特点是网络银行迅速发展的原因。作者总结了网络银行的4大特征,并根据我国网络银行业发展的现状,提出我国发展网络银行应采取的主要策略是设计网络安全协议,建立网络货币体系,建设认证中心,制定专门法规,实施规范化的金融监管。

It is held that computer science, network, e-commerce and cost-efficient cyber-bank account for the rapid development of e-bank. The four features of cyber-bank are summarized. According to the current development of e-banking in China, some measures are proposed for the further development including the establishment of e-money system, certification center, specific regulations, and financial supervision.