Since the 1990s, has had the enormous influence take the computer and the networking as representative's information technology to the finance, not only changed humanity's financial consciousness, the investment way as well as the financing behavior, moreover is changing the financial enterprise's financial way and the management idea, joins WTO along with the electronic commerce fast development with our country each pledge to carry out gradually, the development on-line bank is Our country Banking industry obtains the survival in the steep competition the choice inevitably。
on-line bank is the bank through establishes own website to provide the financial service on the Internet for the customer。
It relies on the deposit allowance high and real-time convenient, the cost is low, function many 24 hour services obtain more and more customers the affections。
Its own number in the explosive growth, will also become the banking industry to be important in the future, will be a most important constituent。
At present, this tidal current has swept across our country, our country various Commercial bank also one after another promotes on-line bank service。
However Our country On-line Bank's development has not achieved the goal which and the effect various Commercial bank estimated that on-line bank's customer occupies the total customer the proportion to be small, the customer use degree of satisfaction not high, the actual utilization ratio to be somewhat low。
But the domestic on-line bank's service development is also facing the question which some remain unresolved。 But manages the strategy along with the Commercial bank the adjustment, the Internet environment's improvement, leans the strength in the global network economy and the electronic commerce fast development and the policy to support under this big background, Our country On-line mechanics of banking will welcome a new aspect。
关键词：网上银行 Internet banking 服务 Services 客务群里 Customer base 技术认证 Technical Certification 金融创新 Financial Innovation。
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