论我国商业银行电子化发展的现状、障碍及解决对策

随着电子信息科技的迅猛发展, 银行业的电子化水平已经成为未来商业银行的主要特征, 代表着商业银行的发展方向。本文在介绍商业银行电子化的概念及我国商业银行电子化发展历史的基础上，对我国商业银行电子化发展的现状和推进商业银行电子化进程中所面临的障碍进行了分析。认识到我国现行商业银行电子化经营模式初步形成、服务水准逐渐完善、同业竞争日益激烈、发展速度明显加快。在商业银行电子化进程中所遇到的障碍有对信息科技风险认识不足、客户结构不理想、第三方支付的同业竞争、产品创新能力不足、服务水准有限、管理工作不到位、分流渠道效果不明显等等。更在分析以上问题的基础上提出解决方案，例如加强安全措施、健全营销模式、增强产品创新性、完善服务功能、创新管理方式，以促进我国商业银行电子化的进一步发展和完善。

关键词： 商业银行，电子化，现状，障碍，解决对策
Analysis of Status and Barriers of Electronic Development
of Our Commercial Banks
Abstract: With the rapid development of electronic information technology, the electronic level of banking has become the main features of the commercial banks, which represented the direction of development of commercial bank. This paper based on the introduces of the concept of electronic commercial banks and the history of China's commercial banks electronically, analyzing the status quo of China's commercial banks electronically and the barriers in the process of electronic development of commercial banks. Recognized that Commercial Bank of China's electronic business model has taken the form, the gradual improvement of standards of service, the increasingly competitive with the industry, the development of significantly faster. There are some barriers in the progress of Commercial banks electronic, such as lacking of awareness of the risks of information technology, the customer structure which is not ideal, the industry competition of third-party payment ,the lack of product innovation, the limited standard of service , the management is not in place and the diversion channel effect is not obvious and so on. And based on the analysis above we proposed a solution. In order to promote China's commercial banks into a further development and improvement, we should enhanced security measures, improve the marketing model, enhance product innovation, perfect the service functions and to innovate model of management.

Key words: Commercial bank，Electronic，Status quo，Barrier，Solutions
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