网络银行与传统银行的比较研究

Comparison of Internet Banking and Traditional Banking

网络银行是二十世纪金融领域出现的最具影响力的创新之一。这种创新,不只是将现有银行业务简单移植上网,更为重要的是,它改变了传统银行的经营模式和经营理念,形成了一种新型的银行产业组织形式。作为新型银行组织方式,网络银行在性质、成本、业务方式、经营管理模式、资产负债结构、风险和监管等方面都与传统银行存在着明显的差异。

As result of network technology development and financial innovation, internet banking is a new type of financial organization. It has changed the management model and management idea of traditional banking, and shows very different characteristics in nature, cost, business organization, management model, structure of asset and liability, risk, regulation compared with traditional banking.