国内金融互联网化发展现状.pdf

国内金融互联网化发展现状作者：日期:?文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5国内金融互联网化发展现状马云曾在一次重要的会议上说到“金融业需要搅局者”，未来的金融有两个方向:一个是金融互联网化，即金融行业走向互联网时代；第二个是互联网企业做金融业务,纯粹的外行领导。虽然马云的分类将互联网金融与金融互联网进行了严格的区分,但是传统金融机构并没有坐以待毙,而是在业务模式上更多的依赖互联网技术，提升效率与互联网金融企业进行正面竞争;更重要的变化在于思维方式上，逐渐摆脱传统金融高大上的自我感觉，而是更富互联网精神。金融互联网化体现在互联网对金融中介和市场的物理网点、人工服务等进行替代，主要涉及以下几种类型:网络银行和手机银行、网络证券公司、网络保险公司、网络金融交易平台和其他类型等。本报告将主要从三个方面阐述国内金融互联网化的现状。1.5.1 网络银行现状分析网上银行又称网络银行、在线银行，是商业银行利用互联网技术,通过互联网向客户提供开户、查询、对账、转账、信贷、投资理财等传统服务项目,客户足不出户就能够安全便捷地管理个人的各类银行业务。可以说，网上银行是在互联网上的虚拟银行柜台。199 年 4 月，招商银行率先推出了具有网上银行功能的网上支付业务,为企业提供资金结清算服务，成为国内首家提供网上银行业务服务的银行。虽然国内的网上银行业务相对于国外起步稍晚,但是国内商业银行的网上银行业务发展非常迅速，随着各行电子银行功能的不断完善、安全性能的不断提高，电子银行突破时空界限，全天候、跨地域、广辐射的优势日益被客户认知，其安全便捷的服务吸引着越来越多的客户。文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 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1日，银监会主席尚福林宣布，将在全国设立五家民营银行的试点工作，分布在全国四个省、直辖市，分别在天津、上海、浙江和广东。浙江省作为民营经济大省,获得其中的两个试点名额。民营银行的试点主要采取共同发起人制度，根据相关试点方案,民营银行的发起人必须有两个或者两个以上的发起人。浙江的两家民营银行分别由阿里巴巴、万向控股和正泰、华峰集团联合发起。网上银行包含两个层次的含义:(1)机构概念,指通过信息网络开办业务的银行;（)业务概念,指银行通过信息网络提供的金融服务，包括传统银行业务和因信息技术应用带来的新兴业务。在日常生活和工作中,我们提及网上银行,更多是第二层次的概念，即网上银行服务的概念。网上银行业务不仅仅是传统银行产品简单的从实体网点转移到网上,其服务方式和内涵也发生了一定的变化,而且由于信息技术的应用,又产生了全新的业务品种，具有不同于传统银行的特点。第一,全面实现无纸化交易。传统的纸质票据大部分被电子支票、电子汇票和电子收据所代替；纸币逐渐被电子货币，即电子现金、电子钱包、电子信用卡所代替；原有纸质文件邮寄被数据通信网络传送所替代。第二，服务方便、快捷、高效、可靠。用户可以在任何时间任何地点使用网络银行的服务,不受时间、地域的限制，即实现A 服务。通过网络银行,用户可以享受到方便、快捷、高效和可靠的全方位服务。第三,经营成本低廉。网络银行采用了虚拟现实信息处理技术,在保证原有的业务量不降低的前提下，可以减少营业点的数量,降低经营成本。文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5第四，简单易用。网上E-ail 通信方式也非常灵活方便，便于客户与银行之间以及银行内部的沟通。与传统银行相比，由于网上银行固有的特点,可以发现其具有的优势。第一，大大降低银行经营成本,有效提高银行盈利能力。网络银行的开办可以有效地替代物理网点的建设，节省大量的人力物力资源。第二，无时空限制，有利于扩大客户群体。网上银行业务由于具有A 特点,有利于吸引和保留优质客户,又能主动扩大客户群,开辟新的利润来源。第三,有利于服务创新,向客户提供多种类、个性化服务。利用互联网和银行支付系统，容易满足客户咨询、购买和交易多种金融产品的需求。客户除办理银行业务外,还可以很方便地进行网上买卖股票债券等,网上银行能够为客户提供更加合适的个性化金融服务。据不完全统计,截至 20 年年底，在互联网设立网站的中资银行达100 多家，占国内现有各类银行的56.7%；仍有多家中外资银行向人民银行申请开办网上银行业务。虽然网上银行的增长速度很快，目前市场规模也达到了一定程度,但是相对于国内巨大的金融市场,巨大的业务需求量，网上银行业务的发展空间仍很巨大。图 1-17 数据显示了从007 年月至 204 年 12 月国内网上银行用户规模的走势图。从图中数据可以明显发现，经过7 年的发展,国内网上银行用户规模从0 7 年 1月的4032 万增长到 01年月的2.8 亿用户,增长幅度近70%,而目前增长趋势并没有放缓的迹象。文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5图 1-8 说明了网上银行的网民使用率情况。可以看出,网上银行的网民使用率在207 年 6 月为 0%。经过年的发展,增长到 2014 年的近4%,涨幅超过一倍。45%的使用率已经是一个非常高的数据,平均每百个网民中就有近4人使用网银进行网上交易。图 1-17 中国网上银行用户规模增长情况数据来源:w ind资讯。图 1-18 网民使用网上银行的占比数据来源:资讯。网上银行的业务大致可分为三大类:文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5第一，传统商业银行业务以及证券的清算、外币业务、信息咨询业务、消费信贷业务等新型商业银行业务；第二,在线支付业务,包括商户对商户商务模式下的网上采购或批发交易,金融机构间的资金融通与清算;第三，新的业务领域,如集团客户通过网上银行查询子公司的账户余额和交易信息，在签订多边协议的基础上实现集团公司内部的资金调度与划拨，提供财务信息咨询、账户管理等理财服务,还可以发放电子信用证、开展数据统计等。总体而言，目前我国网上银行业务主要还是基于商业银行部分传统业务在网上的延伸，业务的深度和广度都很有限。与发达国家的商业银行体系相比，我国银行业提供的网络服务产品种类少,质量不高,提供的网上产品普遍缺乏个性化，缺乏面向客户设计的服务产品和差异性。15.2 网络保险现状分析网络保险，即互联网保险,指实现保险信息咨询、保险计划书设计、投保、交费、核保、承保、保单信息查询、保全变更、续期交费、理赔和给付等保险全过程的网络化。互联网保险是指保险公司或新型第三方保险网以互联网和电子商务技术为工具来支持保险销售的经营管理活动的行为。2000 年 8 月,中国太保和中国平安同时开通了自己的全国性网站，开启了网络保险这个行业。中国太保的网站成为我国保险业界第一个贯通全国、联接全球的保险网络系统,而中国平安保险创立的全国性网站PA18，以网上开展保险、证券、银行、个人理财等业务被称为“品种齐全的金融超市”。文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 ZH9J10U1L2P5文档编码:CU10T1I8S5A2 HY10T4S9E2A1 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