摘要：随着网络经济的快速发展，促使商业银行的经营方式发生改变，行业竞争愈来愈激烈，传统柜面式盈利占银行总体效益的比例普遍下降，并进入发展的瓶颈期，而以移动金融为基础的电子银行的诞生，为商业银行经营模式的转型提供了新的契机。本文着重从电子银行的特点入手，结合我国电子银行发展状况，指出了我国电子银行发展中所面临的问题，并提出了应对策略，特别是如何更好地发展电子银行及其相关业务指出了明确的办法，应具有一定的参考价值。

研究指出我国电子银行发展中面临着诸如发展不平衡、安全问题、缺乏整体规划、监管不到位等问题，针对这些问题，我国电子银行应该采取准确定位、完善经营模式及渠道、完善法律法规、健全管理架构、创新以及协同发展，未来才能够持续、稳健、和谐的发展。51179

毕业论文关键词：电子银行　电子商务　移动金融

Problems and Countermeasures in the development of electronic banks in China

Abstract: With the rapid development of network economy, prompting the mode of operation of the commercial bank to change, industry increasingly fierce competition, traditional counter profit accounted for a general decline in the proportion of the overall benefit of the bank and enter a bottleneck in the development of, and mobile banking for the birth of electronic bank based, for the transformation of the management mode of commercial bank provides new opportunities. This paper from the characteristics of Electronic Bank of combined with the status of the development of electronic banking in China, pointed out the problems faced in the development of electronic banking in China, and puts forward some corresponding strategies, especially how to develop the electronic banking and related business better pointed out the clear way, should have a certain reference value. 

Studies have pointed to the development of electronic banking in China faces such as unbalanced development, security issues, the lack of overall planning, regulation is not in place, to solve these problems, China's electronic banking should take accurate positioning, improve business model and channels, improve laws and regulations, health management architecture, innovative and collaborative development, the future can be sustained, steady and harmonious development.  

Key Words：E-Bank,  E-Commerce,  Mobile Finance

目　录

一、电子银行的内涵及特点 1

（一）电子银行的内涵 1

（二）电子银行的特点 2

二、我国电子银行的发展现状 4

（一）发展速度明显加快 5

（二）竞争越来越激烈 6

（三）成为银行发展的主要业务 7

三、我国电子银行存在的问题分析 8

（一）不同地区发展不平衡 8

（二）安全问题相对严重 9

（三）缺乏整体规划 11

（四）内部经营和外部监管不到位 12

四、我国电子银行发展的对策及分析 13

（一）准确定位电子银行，完善经营模式及渠道 13

（二）完善法律法规，健全管理架构 14

（三）以不断创新来带动发展 15