网络银行随着科技的进步而诞生并且迅速发展,相比于传统的银行,网络银行的优势非常明显,它不仅能够降低经营成本,而且能够提高员工的工作效率,并且对于顾客日益增长的多样化的对金融服务的需求,它都能够很好的满足。本文从网络银行的优势出发,分析和总结了网络银行的存在对传统银行的挑战,以及面对挑战传统银行的应采取的策略。 With the rapid development of science and technology and the rapid development of Internet banking, the advantages of Internet banking are obvious compared to traditional banks. Not only can it reduce operating costs, but also increase the work efficiency of employees and the increasingly diversified customers It is well served by the demand for financial services. Based on the advantages of internet banking, this paper analyzes and summarizes the challenges of the existence of online banking to traditional banks and the strategies to be adopted in the face of challenges to traditional banking.