关于网上银行发展现状与对策的思考摘要：随着信息技术在金融业中的广泛应用，网上银行凭借其服务便捷、成本低廉等优势，越来越得到人们的青睐。网上银行具有传统银行业务不可比拟的优势，将会成为商业银行业务发展的必然选择。所以，发展网上银行已成为提高我国银行业市场竞争的重要手段。本文通过分析我国网上银行的发展现状及存在的问题，并提出了相应的对策和建议，探讨促进我国网上银行快速健康发展的措施。关键词：网上银行，发展现状，对策ThedevelopmentofonlinebankingsituationandcountermeasureanalysisAbstract:WiththewideapplicationofITinthefinancialindustry,onlinebankingwithconvenientservice,lowcostadvantage,moreandmorepeopleofallages.Onlinebankingmoreadvantagesthantraditionalbanks,willbecometheinevitablechoiceofthecommercialbanks.Therefore,thedevelopmentofonlinebankinghasbecomeanimportantmeanstoimproveChina'sbankingmarketcompetition.ByanalyzingthecurrentdevelopmentofChina'sonlinebankingandtheproblemsandputforwardcorrespondingcountermeasuresandsuggestions,andtoexploremeasurestopromoterapidandhealthydevelopmentofChina'sonlinebanking.Keywords:onlinebanking,developmentofsituation,countermeasure目录TOC\o"1-3"\h\z\uHYPERLINK\l"_Toc325059432"1.前言PAGEREF_Toc325059432\h1HYPERLINK\l"_Toc325059433"2.网上银行的概述PAGEREF_Toc325059433\h2HYPERLINK\l"_Toc325059434"2.1网上银行的定义PAGEREF_Toc325059434\h2HYPERLINK\l"_Toc325059435"2.2网上银行的特点PAGEREF_Toc325059435\h2HYPERLINK\l"_Toc325059436"2.2.1智能化的业务PAGEREF_Toc325059436\h2HYPERLINK\l"_Toc325059437"2.2.2个性化的服务PAGEREF_Toc325059437\h2HYPERLINK\l"_Toc325059438"2.2.3实现3A服务PAGEREF_Toc325059438\h3HYPERLINK\l"_Toc325059439"3.我国网上银行的发展现状PAGEREF_Toc325059439\h3HYPERLINK\l"_Toc325059440"3.1我国网上银行正处于快速发展期PAGEREF_Toc325059440\h3HYPERLINK\l"_Toc325059441"3.2网上银行三足鼎立，各有特色PAGEREF_Toc325059441\h4HYPERLINK\l"_Toc325059442"3.3网上银行业务种类迅速增多PAGEREF_Toc325059442\h4HYPERLINK\l"_Toc325059443"4.我国网上银行存在的主要问题PAGEREF_Toc325059443\h5HYPERLINK\l"_Toc325059444"4.1网上银行发展的基础比较薄弱PAGEREF_Toc325059444\h5HYPERLINK\l"_Toc325059445"4.1.1硬件基础设施落后PAGEREF_Toc325059445\h5HYPERLINK\l"_Toc325059446"4.1.2社会诚信基础不完善PAGEREF_Toc325059446\h5HYPERLINK\l"_T