我国电子银行发展的现状及问题研究

我国电子银行发展的现状及问题研究摘要作为新世纪的全新经济体制下的金融服务形式，电子银行以其较低的建设投资，较少的人力消耗在社会各界引起了一阵轩然大波。电子银行主要依托数据联通的优势，完成远距离服务，从而弥补平台数据接收限制的缺陷，解决业务类型匮乏、服务形态受阻等问题。从目前的形势来看，银行业的服务都将以线上线下结合的方式持续发展下去。因此，电子银行除了一般的基础业务外，还需要在大力发展对于市场增值的业务的发展走向。全球经济受疫情的巨大冲击下，深入对于电子银行的研究能够为我国电子银行发展趋势营造良好氛围，明确电子银行在线上经济和实体经济之间的平衡点，从而保障我国金融体系稳定的发展。保持电子银行现有的发展成果，并加入合理管控施加适当的责任压力，创新业务数据处理形式，这才是市场经济长治久安的光明大道。文章通过文献研究法和数据分析法，对电子银行的历史和现状进行分别研究。通过调查研究发现。我国电子银行发展中存在安全体系尚未完善，社会发展信用偏低，监管部门管控有待加强，专业人才匮乏，相关法律规范不够健全等问题。最后论文针对发现的问题提出了一些相应的发展对策，进一步完善电子银行安全体系，加强健全社会发展环境信用体系，提高相关监管部门的管控力度，扩大电子银行专业人才团队，完善电子银行相关法律保障。文章丰富了电子银行发展现状和问题的研究，对促进我国电子银行更快更好的发展具有一定的参考价值关键词：经济；金融；电子银行；科技化-I-The current situation and problems of the development of electronicbanking in ChinaAbstractAs a financial service form under the new economic system in the new century,electronic banking has caused a great disturbance in the society with its lower constructioninvestment and less manpower consumption.Electronic banking mainly relies on theadvantages of data connectivity to complete long-distance services,so as to make up forthe defects of platform data reception restrictions and solve problems such as lack ofbusiness types and blocked service forms.From the current situation,banking services willcontinue to develop by combining online and offline.Therefore,in addition to the generalbasic business,electronic banking also needs to vigorously develop the development trendof value-added business for the market.Under the huge impact of the epidemic on theglobal economy,in-depth research on e-banking can create a good atmosphere for thedevelopment trend of China's e-banking,clarify the balance between the online economyand the real economy of e-banking,so as to ensure the stable development of China'sfinancial system.Maintaining the existing development achievements of electronicbanking,adding reasonable control to impose appropriate responsibility pressure,andinnovating business data processing forms are the bright road for long-term stability ofmarket economy.This thesis studies the history and Data analysis of electronic banking by literaturestudy and case study.Through investigation and research.There are some problems in thedevelopment of electronic banking in China,such as the security system is not perfect,thecredit of social development is low,the control of supervision departments needs to bestrengthened,the lack of professional talents,and the relevant legal norms are not perfect.Finally,the paper puts forward some corresponding development countermeasures for theproblems found,to further improve the security system of electronic banking,strengthenand improve the credit system of social development environment,improve the control ofrelevant supervision departments,expand the professional team of electronic banking,improve the legal guarantee of electronic banking.This paper enriches the research on thedevelopment status and problems of electronic banking,and has certain reference value topromote the faster and better development of China's