网络银行，作为金融创新与科技创新的新形式，作为拓展中间业务的新渠道，其产生的效益和影响将更为广泛，更有利于维护客户的忠诚、降低成本、提高收益，是国内商业银行和外资银行竞争的重要手段之一。同时，我们也可以预见到，网络银行提供的服务将成为一种标准，而最先适应这场新技术、新信息革命的发展，开发出最具个性、最具生命力、适应市场需求的中间业务的商业银行，必将是这场竞争的胜出者。本文以网络银行作为研究对象，对国内网络银行业务发展背景进行介绍，分析了国内银行业在网络银行领域竞争优势，重点分析国内网络银行发展面临的问题并且针对国内网络银行发展面临的问题和竞争优势，提出了改革完善我国网络银行建设的一系列对策和措施。
Abstract: The network bank, takes the financial innovation and the scientific innovation new form, takes the development middle service the new channel, it produces the benefit and of the will influence be more widespread, is more advantageous loyally to the maintenance customer, reduces the cost, to enhance the income, is one of the internal commerce bank and Foreign bank competition important means. At the same time, we may also foresee, the network bank provides the service will become one kind of standard, but adapts this new technical, the recent information revolution development first, develops most has the individuality, most to have the vitality, to adapt the market demand middle service Commercial bank, will certainly to be this competition wins. This article takes the object of study by the network bank, carries on to the domestic network mechanics of banking development background said that has analyzed the domestic banking industry in the network bank domain competitive advantage, the selective analysis domestic network bank development faces and the question faces in view of the domestic network bank development the question and the competitive advantage, proposed the reform consummates Our country Network Bank construction a series of countermeasures and the measure.
关键词：网络银行，金融创新，重架银行组织机构，以人为本
Key word: Network bank, financial innovation, heavy frame bank organizations and agencies, humanist
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