近10年来,由于计算机技术、网络技术和金融服务技术的飞速发展,网上银行开始在我国出现并迅猛发展。所谓网上银行,又称网络银行,是指利用网络技术,在INTER-NET上开展银行业务,为客户提供各种金融服务的金融机构。上世纪90年代以来,面对金融市场上的激烈竞争,我国商业银行在做好 In the past 10 years, due to the rapid development of computer technology, network technology and financial service technology, online banking began to emerge and develop rapidly in our country. The so-called online banking, also known as Internet banking, refers to the use of network technology, in the INTER-NET on the banking business, providing customers with a variety of financial services financial institutions. Since the 90s of last century, facing the fierce competition in the financial market, China’s commercial banks are doing a good job