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Question

随着Internet和电子商务在全球范围内的迅猛发展，应运而生的网络银行也大行其道，标志着人们在向信息时代的发展中，又迈进了一大步。它是网络技术与金融产业的结晶，给传统银行带来了巨大的冲击和前所未有的机遇。网络银行是银行业的新标志，网络银行不仅改变着整个银行业的运营模式，也影响了人们对银行的观念和行为。人们开始使用并熟练操作网络银行。网络银行以其低成本和广阔的前景越来越得到人们的喜爱，它改变了人们对固有的传统银行理解，为人们提供智能化的金融服务。
网络银行起源于美国，在我国，作为一个新兴金融服务还处在初级阶段，虽然经过了几年的发展，在技术革新的同时，网络安全问题也不断地显现出来。与发达国家相比，我国网络银行存在许多难题需要解决，比如它的法律风险和网络风险隐患都不容小觑。这些年，我国网络银行得到了显著的发展和值得褒奖的成绩，但在这繁华景象背后的安全性防范与完善则至关重要。为了完善网络银行的风险隐患，为了保证网络银行的整体安全，要切实地研究国内网络银行发展中存在的问题及对策。
本文通过对我国网络银行在发展中的现状和主要特点进行分析，指出了其发展过程中存在的问题，并借鉴国外相对成熟的经验，提出了解决网络银行现存问题，提高国内网络银行问题的解决措施，促进国内网络银行健康发展的措施。

Answer 1

Along with the development of Internet and e-commerce in the global context of the rapid development of the network bank, emerge as the times require are also popular, marking the people to the information age development, also made a big step forward. It is the network technology and the financial industry the crystallization, to the traditional banks has brought huge impact and hitherto unknown opportunities. The network bank is the banking industry 's new logo, network bank is not only changing the whole banking industry operation pattern, also affected the people on the banks of the idea and behavior. People began to use and manipulate the network bank. Network bank with its low cost and broad prospects and more loved by the people, it changed the traditional banking understanding, for people to provide intelligent financial services.
Network bank originated in the United States, in China, as an emerging financial services are still in the primary stage, even after several years of development, in the technical innovation at the same time, the problem of network security is shown ceaselessly. Compared with developed countries, China's network bank has many problems need to be solved, such as its legal risk and network risks will not be underestimated. These years, China Network Bank obtained the remarkable development and praiseworthy achievements, but in this bustling scene behind the safety prevention and improvement of critical. In order to improve the network bank risk, in order to ensure the overall safety of the network bank, to effectively study the domestic network bank development : Problems and countermeasures.
This article through to the network bank of our country in the development of the status quo and the main characteristics of the analysis, pointed out the existing problems in the course of development, and draw lessons from foreign mature experience, put forward to solve the existing problems of network bank, improve the domestic network bank measures to solve the problem, promote the domestic network bank healthy development measure.

参考资料：百度翻译