2001쓪8퓂뗚15뻭뗚4웚ꆡꆡꆡꆡꆡꆡꆡꆡꆡꆡꆡꆡ뮪ꆡ뚫ꆡ뺭ꆡ볃ꆡ맜ꆡ샭EastChinaEconomicManagemꆡꆡꆡꆡꆡꆡꆡꆡꆡꆡꆡꆡAug.,,췸싧틸탐뛔뒫춳틸탐뗄쳴햽췵ꆡ캡(낲믕쪡얩튵틸탐ꆡ뿆벼뒦,낲믕ꆡ뫏럊ꆡ230022)[햪튪]쯦ퟅ탅쾢벼쫵뗄랢햹,췸싧틸탐붫돉캪캴살틸탐뗄훘튪ퟩ돉늿럖,듙쪹틸탐믺릹탩쓢뮯,췆뷸믵뇒뗧ퟓ뮯뫍좫쟲뷰죚튻쳥뮯ꆣ뒫춳틸탐펦뗷헻뺭펪햽싔,닃복펪튵췸뗣,퓶잿췸짏붻틗릦쓜ꆣ[맘볼듊]췸싧틸탐;뒫춳틸탐;믵뇒뗧ퟓ뮯[훐춼럖샠뫅]F83012ꆡꆡꆡ[컄쿗뇪쪶싫]Aꆡꆡꆡ[컄헂뇠뫅]1007ꆪ5097(2001)04ꆪ0127ꆪ02ThechallengeofnetworkbanktotraditionalbankWANGWei(TechnologyDepartment,AnhuiBankofAgriculture,Hefeiꆡ230022,China)Abstract:Withthedevelopmentofinformationtechnology,networkbankwillbeaimprotantpartoffuturebank,willaccaleratevir2tualstructureoftraditionalbank,,decreasetradingestablishment,improvefunctionoftradeonnetworkKeywords:networkbank;traditionalbank;electroncurrencyꆡꆡ틔볆쯣믺탅쾢뒦샭벼쫵뫍뗧ퟓ춨톶벼쫵캪듺뇭뗄룟탂벼좡샻죳,캬돖웤랢햹벰죕뎣뾪횧,쯼쫇튻훖뗍닣듎뗄췸뗣삩쫵쿲죋샠짧믡뗄맣랺째춸,짮뿌뗘룄뇤쇋죋쏇뗄짺듦랽쪽뫍헅탎쪽ꆣ볛횵맛쓮,죧쿻럑쾰맟ꆢ춶랽쪽뫍뷰죚샭쓮,평듋틽웰쇋퓚횪쪶뺭볃뫍탅쾢룯쏼쪱듺,붨짨훐뗄뗧ퟓ틸탐쳥쾵쫇헻룶짧믡뷰쇷솿뫍뷡릹뗄뻞듳뇤뮯,튲뛔뷰죚쳥쾵닺짺쇋틔탅쾢벼쫵캪뫋탄,틔탩쓢틸탐뗄탎쪽살헻뫏틸탐튵컱,싺짮풶뗄펰쿬ꆣퟣ뿍뮧뗄룷훖튪쟳ꆣ틲듋랢햹탩쓢틸탐쫇캴살짌튵틸탐뗄쟷퓚뒫춳튵컱훰붥캮쯵뗄뷱쳬,쮭쓜릻돤럖샻폃췸싧뷸탐쫆쯹퓚ꆣ뷰죚뒴탂,쮭뻍믡볆룟튻돯,좡뗃캴살뺺헹뗄훷뚯좨ꆣ췸싧2ꆢ탩쓢틸탐뗄랢햹뇘탫폫쪵쳥틸탐쿠뷡뫏틸탐ퟷ캪캴살틸탐랢햹쟷쫆뗄훷쇷,붫듙쪹뒫춳틸탐뺭펪믺췸싧틸탐튲돆캪췸짏틸탐ꆢ퓚쿟틸탐,쯼쫇붨솢퓚In2릹탩쓢뮯ꆢ뺭펪랽쪽췸싧뮯ꆢ뺭펪쫖뛎뗧ퟓ뮯틔벰뷰죚믮뚯ternet믹뒡짏뗄튻훖캴살훷튪뗄탩쓢틸탐ꆣ췸싧틸탐욾뷨웤좫쟲뮯,뮹뿉틔냯훺짌튵틸탐톰헒짌믺,믱좡샻죳ퟮ듳뮯,뻞듳뗄폅쫆엮늪랢햹,룸짌튵틸탐듸살쇋룯쏼탔뗄뇤룯,돉쳡룟ퟔ짭뗄탎쿳뫍뺺헹쓜솦ꆣ캪짌튵틸탐탂뗄랢햹랽쿲ꆣ퓚컒맺,헐짌틸탐ꆢ훐맺틸탐ꆢ튻ꆢ췸싧틸탐붫돉캪캴살틸탐뗄훘튪ퟩ돉늿럖붨짨틸탐ꆢ릤짌틸탐,냼삨얩튵틸탐튲쿠볌췆돶쇋췸싧틸탐뮥솪췸뗄맣랺쪹폃뫍룟뿆벼뛔뷰죚튵뗄돥믷쪹뗃틸탐튵럾컱ꆣ뗄랢햹뇤뗃쓑틔풤닢,틸탐뗄퓋탐쒣쪽붫믡벱뻧탍ꆣ캴살췸싧틸탐뗄돶쿖뗄좷죃죋많쒿쿠뾴,좻뛸퓚뮹쎻폐뷸죫짌튵틸탐퓚뒫춳틸탐뗄믹뒡짏,죚죫룟뿆벼,뷨훺뮥솪췸훰췸싧쪱듺뗄뷱쳬,쯼퓝쪱뮹탨튪틀삵쪵쳥틸탐뛸랢햹,럱퓲늽쪵쿖틔뿍뮧캪훐탄,쳡릩좫릦쓜ꆢ룶탔뮯뗄럾컱쒣쪽ꆣ틸뻍믡쪧좥잿폐솦뗄뺺헹쓜솦ꆣ쪵쳥틸탐뗄럖횧믺릹퓚ퟷ캪폫탐내듦퓚탎쪽뿉뮮럖캪쪵쳥틸탐뫍탩쓢틸탐;내릦쓜럖폖뿉뿍뮧솪쾵뗄쟾뗀랽쏦틀좻랢믓ퟅ늻뿉쳦듺뗄ퟷ폃,틀좻쫇횧틔뮮럖캪뒫춳틸탐ꆢퟔ훺틸탐ꆢ췸싧틸탐ꆢ뗧뮰틸탐뗈뗈ꆣ독틸탐럾컱뫍닺욷쿺쫛뗄훷튪췸싧횮튻,퓚쿠떱뎤뗄쪱웚샯컒쿫,캴살뗄짌튵틸탐붫쫇뒫춳틸탐뫍탂탍틸탐뗄폐믺뷡쓑틔놻췸싧틸탐좡듺ꆣ횻폐붫뒫춳틸탐폫췸싧틸탐폐믺뷡뫏뫏ꆣ웰살,닅쫇떱뷱틸탐튵랢햹뗄ퟮ병춾뺶ꆣ1ꆢ쪵쳥틸탐쫇튻훖뗍닣듎뗄틸탐탎쪽뗧뮰틸탐쫇튻훖뇈뷏볲떥뗄캴살탩쓢틸탐뗄늹돤탎쪽,뒫춳틸탐쫇튻훖쪵쳥틸탐,쯼샻폃폃펪튵췸싧뺭펪맜쯻쫇뷨훺뗧뮰살쪵쿖뷰죚럾컱ꆣ샭ퟔ벺뗄닺뫍뢺햮,쪵쿖틸탐붻틗ꆢ쫽뻝뒦샭ꆢ뷰헊쒿잰,췸싧틸탐뫍뗧뮰틸탐뚼늻쓜쳡릩틸탐풱릤폫뿍뮧뫍탅쾢뒫뗝,훷튪냬샭뒢탮ꆢ뷰믣뮮쟥쯣ꆢ맺볊튵컱벰탅뗄쏦뛔쏦붻쇷,컞램뒦샭쿖뷰붻틗튵컱,뛸쿖뷰붻틗퓚헻룶폃뾨뗈튵컱ꆣ뒫춳틸탐훷튪춨맽좡듻뿮뫍듦뿮뗄샻닮살믱짧믡뺭볃퓋탐훐뗄ퟷ폃퓚쿠떱뎤튻뛎쪱볤쓚컞램놻좡듺ꆣ뛸[쫕룥죕웚]ꆡ2001ꆪ06ꆪ25[ퟷ헟볲뷩]ꆡ췵ꆡ캡(1974ꆪ),쓐,훺샭뺭볃쪦ꆪ127ꆪ
훐맺뗄쟩뿶룼볓뇭쏷듓쿖뷰짧믡맽뛉떽컞쿖뷰짧믡뮹탨튪쿠틗,웤뷡맻쫇췆맣뗧ퟓ믵뇒뗄쪹폃ꆢ복짙쿖뷰믵뇒뗄쇷춨ꆣ떱뎤쪱볤ꆣ틲듋,퓚캴살탩쓢틸탐쳘뇰쫇췸싧틸탐뗃떽랢햹믵뇒뗧ퟓ뮯볓쯙쇋뷰뗄쇷뚯쯙뛈,쪹뷰퓚좫쟲랶캧틔뫳,쪵쳥틸탐붫ퟷ캪튻훖늹돤탎쪽폫탩쓢틸탐뎤쪱볤늢쓚쮲볤쪵쿖틆,복짙쇋뒫춳틸탐뗄탭뛠훐볤뮷뷚,복짙쇋듦ꆣ웳튵뷰뗄퓚춾쪱볤,쳡룟쇋뷰뗄샻폃돌뛈,캪웳튵헹좡뛾ꆢ췸싧틸탐듙쪹틸탐믺릹탩쓢뮯,쿻복뒫춳쇋쪱볤,뒴퓬쇋샻죳ꆣ춨맽췸싧틸탐뿉틔릲쿭좫쟲뗄쫽뻝탅틸탐훘튪탔쾢풴,쿭쫜맺볊뷰죚믺릹쯹쳡릩뗄폅훊뷰죚럾컱,폃쪵쪱컒맺벫듳늿럖틸탐쾵춳퓚룷ퟜ탐뗄춳튻쇬떼뫍맜샭쿂뒦샭랽쪽듓췢맺랢탐믺릹횱뷓믱좡뗧ퟓ믵뇒ꆣ헢뇘붫듙쪹좫,내쿖뷱뗄탐헾쟸폲짨솢룷ퟔ뗄엓듳럖횧믺릹ꆣ뷼쪮벸쓪살쟲뷰죚훰늽튻쳥뮯ꆣ,쫜볆뮮뺭볃쮼쿫뗄펰쿬뫍벼쫵쮮욽뗄훆풼,룷뷰죚믺릹캪쇋쯄ꆢ췸싧틸탐듙뷸틸탐뗷헻뺭펪햽싔,쪵쿖샻ퟔ짭뗄짺듦뫍랢햹,뺭펪짏톡퓱쇋쟀첯짨뗣듖럅탍뗄삩듳퓙죳ퟮ듳뮯쒿뇪짺닺랽쪽,듓뛸떼훂쇋틸탐췸뗣퓚벸쓪쓚엲헍퓶뎤ꆣ헢훖늻컒맺뗄틸탐쿖헽뒦폚쿲헽쪽뗄짌튵틸탐맬뗄쪱웚,뺭맋ퟔ짭돉놾뫋쯣뗄듖럅뺭펪랽쪽캥놳쇋짌튵틸탐ힷ쟳ퟮ듳샻펪랽쪽헽평듖럅쿲벯풼맽뛉,틸탐냑ꆰ낲좫탔뫍킧틦탔ퟷ캪죳뗄뺭펪ퟚ횼,벫듳뗘샋럑쇋틸탐뗄죋솦ꆢ컯솦뫍닆솦,볓뺭펪ퟚ횼,ힷ쟳샻죳ퟮ듳뮯쫇웤랢햹뗄훷튪뚯솦뫍ퟮ훕쒿뻧쇋뷰죚뷧럗싒컞탲뗄뺺헹뻖쏦,죅싒쇋헽뎣뗄뷰죚훈탲,뇪ꆱꆣ쯦ퟅInternet늻뛏쿲쫀뷧뺭볃쇬폲째춸,랢햹췸싧틸탐돉캪뿷쯰뗄훷튪풭틲횮튻ꆣ돉캪틸탐쇬폲탂뗄뺭펪웵믺뫍샻죳퓶뎤뗣ꆣ폫뒫춳틸탐쿠췸싧틸탐뗄돶쿖뫍랢햹,룸틸탐뷧듸살쇋튻듎뿕잰뗄벼뇈,췸싧틸탐뿉틔캪ퟔ짭뗄뺭펪듸살벫듳뗄뗍돉놾,룟쫕틦쫵룯쏼,쯼춻웆쇋틸탐뒫춳뗄튵컱닙ퟷ쒣쪽,럏웺붻틗듳쳼뗄폅쫆,헢훖폅쫆랴펳퓚틔쿂벸뗣:튻쫇뾪냬돉놾뷏뗍,듳뗄탎쪽,퓚Internet짏횱뷓뾪햹튵컱ꆣ뿍뮧뿉샻폃춨탅췸싧룅쿠떱폚뒫춳틸탐췸뗣뗄죽럖횮튻;뛾쫇뺭펪돉놾뗍,쿠떱짨놸퓚Internet짏쯦쪱쯦뗘뷸탐탅쾢닩톯ꆢ뾪뮧ꆢ쿺뮧ꆢ횧폚뺭펪쫕죫뗄15%ꆪ20%,뛸뒫춳틸탐퓲햼떽60%;죽쫇뢶ꆢ헊뗈튵컱ꆣ쪵쳥틸탐엓듳뗄럖횧믺릹벰웤틸탐듳쿃붫쟥쯣돉놾뗍,뮥솪췸짏뷸탐뷰죚쟥쯣,쎿뇊돉놾횻쿠떱폚뒫훰붥복짙틔훁쿻쪧,붫늻퓙쫇틸탐쪵솦뫍탅폾뗄쿳헷,룼늻춳틸탐럖샭뒦뗄10%ퟳ폒ꆣ헢훖뗍돉놾폅쫆컞틉붫돉캪컒맺쫇틸탐뺺헹쪤뢺뗄뇪횾ꆣ뷰죚튵뗄뺺헹웤쪵뻍쫇럾컱뗄뺺짌튵틸탐뾪랢췸싧틸탐뗄쓚퓚뚯솦ꆣ헹,맩룹떽뗗뻍쫇뿆벼쪵솦뗄뺺헹ꆣ췸싧틸탐튲룄뇤쇋틸탐캪쇋놣돖뺺헹폅쫆,늻놻탂탎쪽쯹쳔청,짌튵틸탐뇘탫폫뿍뮧뗄솪쾵랽쪽,듓뛸쿷죵쇋뒫춳틸탐럖횧믺릹췸뗣뗄훘뇤뺭펪맛쓮,뗷헻뺭펪햽싔,헢뻍쫇닃복뒫춳펪튵췸뗣,튪탔ꆣ복짙럑폃횧돶,춶죫ퟣ릻뷰,쫊펦췸싧틸탐랢햹ꆣ헢벸쓪죽ꆢ췸싧틸탐뿉틔췆뷸믵뇒뗧ퟓ뮯ꆢ좫쟲뷰죚컒맺짌튵틸탐듳솦쳡릩ꆰ춨맽복풱퓶킧,쪵쿖얤뿷캪펯ꆱ뗄튻쳥뮯뺭펪랽쪽,헽뫃쮳펦쇋췸싧틸탐뗄랢햹쟷쫆ꆣ랢햹췸싧틸탐췸싧틸탐퓚붻틗맽돌훐쪹폃뗧ퟓ믵뇒뷸탐횧뢶ꆣ뗧ퟓ믵돉캪컒맺짌튵틸탐릦쓜뒴탂뗄뇘좻톡퓱ꆣ뇒쫇튻훖춨맽뗧ퟓퟔ뚯헊쾵춳쪵쿖믵뇒쇷춨쫖뛎뫍횧뢶쫖컒맺볓죫쫀쎳ퟩ횯횸죕뿉듽,떫컒맺뗄짌튵틸탐폫췢맺뛎뗄믵뇒듦퓚탎쪽,쫇튻훖쳘쫢뗄ꆢ컞탎뗄믵뇒ꆣ뗧ퟓ믵뇒짌튵틸탐쿠뇈뮹폐뫜듳뗄닮뻠,훷튪뇭쿖퓚놾뷰돤ퟣ싊늻뗄쪹폃뻟폐쿖뷰믵뇒쓑틔뇈쓢뗄폅쫆ퟣ,늻솼닺뇈샽욫룟,펮샻쮮욽뗍,쓚늿맜샭솦뛈늻릻뗈:(1)뗧ퟓ믵뇒쫇튻훖믹폚쫽뻝룅쓮뗄컞탎믵뇒,죝틗랢뗈ꆣ췢틸탐욾뷨웤뿆톧뗄맜샭ꆢ탛뫱뗄뷰ꆢ돉쫬뗄벼쫵탐틔벰폅훊뗄럾컱춬컒맺틸탐튵뾹헹,헹뛡컒맺뻞듳뗄잱퓚쫐,컞탨춶죫뻞듳뗄닆헾뷰뷸탐믵뇒랢탐ꆢ퓋쫤뫍놣맜;(2)퓚쇷춨맽돌훐,횧뢶볲뇣뿬뷝,뛅뻸쇋볙뎮듸살뗄뎡ꆣ컒맺틸탐튵퓚뺭펪맜샭맽돌훐,뇘탫룟햰풶훵,퓚랢믓튻쾵쇐컊쳢놾췁폅쫆뗄춬쪱,얬솦룄짆닺훊솿,볓잿뿆톧맜샭,냑랢;(3)뿉좷놣횧뢶뷰뛮뗄쓤쏻탔뫍ힼ좷탔,뻟폐뇈쿖뷰횧햹뗄훘뗣춶죫췸싧틸탐벰웤훐볤튵컱헢킩쓜릻듸살뻞듳샻죳뢶룼룟뗄낲좫탔ꆣ뗄쇬폲,닅쓜릻늻뛏뗄짺듦랢햹ꆣ훐맺ퟷ캪튻룶랢햹훐맺볒,쯤좻뗧ퟓ믵뇒쫂쪵짏틑뺭쟄뷱쳬,뺡맜췸싧틸탐놾짭뮹듦퓚쒳킩벼쫵뫍낲좫뗄좱쟄뷸죫쇋죋쏇뗄죕뎣짺믮,떫쫜뿆벼쳵볾뗄훆풼뫍뒫춳맛쓮쿝,쯼뗄랢햹뮹튪쫜떽췸싧ꆢ탅쾢랢햹틔벰죋쏇맛쓮뗄쿞뗄펰쿬훆,떫늻뿉럱죏뗄쫇,쯼욾뷨ퟅ쿈뷸뗄벼쫵춻웆쇋쪱뿕뫍뗘,죋쏇쾰맟쪹폃쿖뷰뷸탐붻틗,뗧ퟓ믵뇒뮹풶풶쎻폐놻훚뛠맺죋쯹죏뿉,헦헽퓚쿻럑맽돌훐쪹폃뗧ퟓ믵뇒뮹쎻폐폲뗄쿞훆,틑뺭듓뿆믃킡쮵샯뿮뿮뗘쿲컒쏇ퟟ살쇋ꆣ컒쏇횻웕벰ꆣ틲듋컒맺쇷춨훐뗄쿖뷰쯹햼뇈싊뷏룟ꆣ췸싧틸탐뗄돶폐죏헦뗘쏦뛔쯼,냑컕쯼뗄늪늪짺믺,닅쓜릻퓚뺺헹훐좡뗃쿖뫍랢햹,듙쪹뷰죚튵듓뺭펪쿖뷰믵뇒쿲뺭펪뗧ퟓ믵뇒붻훷뚯,솢폚늻냜횮뗘ꆣ[퓰죎뇠벭:놫뎤짺]ꆪ128ꆪ
