网上银行系统分析研究【外文翻译】
网上银行系统的软件开发分析
１网上银行系统软件 的设计构想
网上银 行系 统 的软件 结构 主要 包括 中 间 业 务平 台、财务核心主机、交换平 台、数据库 服务 器、网 上银行 服务 器和 Ｗｅ ｂ服务器 等部
高开发效率 。其二 ，基于 高度参数化 设计 和银
有一定的延 时性。在网上银行系统软件开发过 行系统表驱动技术 ，网上银行系统可 以通 过基 程 中，这两 种通讯方式可 以同时应用。例如， 本应用来处理客户 关系，如主机通 讯、银行系 企业代发工 资采用 的是 ＭＱ Ｓ ｅ ｉ ｒ ｅ ｓ 平台异步处 统安全控制 、用户 管理等 。其三 ，在网上银行 系统软件开 发平台上，应用不同类型的基本组 理方式，个人网上代缴费、企业转账等交 易采
【 关键词 】网上 银行 系统 软件 开发
向对 象程序，其通过 Ｊ ＤＳ Ｃ方式访 问网上 银行 系统的数据库。网上银行系统服务器主要负责 除了核 心财务 发具有 很大 的难 度 ，其涉及很 多不 同的内容 ，如网上银行系统
财务数据输送给 财务和兴主机，同时接收反馈 回来的信息数据、登记网上银行系统交易 日益 和 交易流水账、检查网上银行客户关系、执行 网上银行的合法业务等。网上银行系统服务器 开发有很多优势：其一， 由于网上银行系统 的 业务逻辑和页面设计分离 ，软件开发人员可 以
Ｊ ａ ｖ ａ语 言 是 一 个 重 要 的 程 序 解 释 语 言 ， 其 执
网上银 行 系统客 户端 主要 负责信 息通 道
的解密 与加密 、 输入域合法检查、 页面显示等 ，
网上银行系统应用程序服务器和客户端之 间利
用Ｓ ｅ ｒ ｖ ｌ ｅ ｔ 文件 和 Ｊ Ｓ Ｐ文 件 进 行 信 息 交 换 ， 为
件 开 发 ， 优 化 网 上 银 行 系统 的 运 行 ，提 高 网上 银 行 系 统 的安 全 性 。
网上银行研究报告
网上银行研究报告近年来，随着互联网的迅速发展和普及，网上银行成为了一种方便、快捷的金融服务方式。
网上银行为顾客提供了许多便利的功能，如账户查询、转账、支付账单等。
本文将对网上银行进行研究，并总结其优点和存在的问题。
首先，网上银行的最大优点是便利。
顾客可以通过互联网随时随地登录网上银行，进行各种金融操作，而不需要亲自去银行柜台办理。
这为大部分上班族和忙碌的人群提供了很大的便利，节省了他们的时间和精力。
其次，网上银行提供了丰富多样的金融服务功能。
顾客可以通过网上银行进行账户余额查询、转账、支付账单、申请贷款等操作，满足了人们的各种金融需求。
此外，一些网上银行还推出了理财产品和股票交易等功能，为顾客提供了更多的金融选择。
再次，网上银行的安全性不断提高。
为了保护顾客的财产安全，网上银行采取了许多安全措施，如采用加密技术、设立安全验证等。
此外，顾客也可以设置复杂的密码和安全问题，增加账户的安全性。
虽然网上银行的安全存在一定的风险，但是银行也在不断加强安全技术和监管，尽量确保顾客的利益。
然而，网上银行也存在一些问题。
首先，对于某些老年人和低技能群体来说，使用网上银行还存在一定的障碍。
他们可能不熟悉电脑操作或者担心自己的账户信息被盗，因此不愿意使用网上银行。
其次，网上银行虽然提供了很多功能，但是对于一些复杂的金融操作，还是需要到银行柜台进行办理。
这对于那些需要柜台服务的顾客来说，可能会带来一定的不便。
总之，网上银行作为一种方便、快捷的金融服务方式，具有很多优点。
它的不断发展和完善将进一步提高人们的金融体验。
然而，网上银行也需要应对一些问题和挑战，如提高用户体验、加强安全措施等。
只有这样，才能更好地满足顾客的需求，推动网上银行的进一步发展。
网上银行系统分析资料
网上支付
可选择使用网上支付卡或一卡通活期网上支付进行付款。网上支付卡可在任何一台电脑使用，消费额限制在人民币5000元内。
可选择使用网上支付卡或一卡通活期网上支付进行付款。网上支付卡可在任何一台电脑使用，消费额限制在人民币5000元内。
可以通过在线支付业务，对电子商务平台生成的订单进行支付操作
转账、财务支付、代发工资、收款方管理、款项用途维护
通过批量委托、授权模式定制、全程跟踪转账交易状态、到帐时间查询、实时EMAIL付款通知、预约付款、定向支付、交易数据下载；客户留言互动、个性化页面定制、定期提醒密码更新等服务
国内支付结算，国际结算，基金业务，企业理财服务，金融机构服务，电子银行服务，资产处置，投资银行
网上国债业务是为企业网上银行客户提供的通过企业网上银行自助办理记账式国债申购、买卖和国债信息查询的业务。您可通过网上国债进行查询、申购、卖出等功能
（2）网上企业业务比较：
招商银行
中国银行
工商银行
建设银行
账务查询
1.查询企业存款账户的余额信息；2.查询企业存款账户的明细交易记录信息；3.下载企业存款账户明细进行财务分析。
可通过INTERNET随时随地查询、下载其在境内、海外中国银行分支机构的本外币账户实时余额、当日交易、历史余额、历史交易、网银汇入汇款等信息
主要包括跨行转账、信用卡还款、账户查询、账户签约授权共4大类服务
转账汇款
自助转账、同城转账、境内汇款、境外汇款、个人结汇/购汇业务
办理方式灵活，可以即时转账，也可根据需要指定日期或预约周期，实现有规律的自动转账。
可以使用工行汇款向同城或异地的任意工行个人或单位客户进行汇款
网银系统功能需求调研报告
网银系统功能需求调研报告网银系统功能需求调研报告一、调研目的本次调研的目的是为了了解用户对于网银系统的功能需求，以便更好地满足用户的需求，提高网银系统的使用体验。
二、调研方法本次调研采用了问卷调查的方式，共发放了200份问卷，回收了180份有效问卷。
调研时间为一个星期，覆盖了不同年龄段和职业的用户。
三、调研结果从调查结果来看，用户对于网银系统的功能需求主要集中在以下几个方面：1. 转账功能：有75%的用户认为转账功能是使用网银系统的主要目的，用户们希望能够通过网银系统实现跨行转账、跨境转账、定期定额转账等多种转账方式。
2. 查询功能：近70%的用户表示查询功能是他们使用网银系统的重要需求，用户们希望通过网银系统能够查询到账户余额、交易明细、账单等信息。
同时，用户们还希望能够通过网银系统查询到其他金融产品的信息，比如理财产品、信用卡等。
3. 手机银行功能：随着智能手机的普及，用户们越来越希望能够通过手机使用网银系统。
有80%的用户表示他们希望网银系统能够提供手机银行功能，包括手机转账、手机查询、手机支付等功能。
4. 客户服务与支持：用户们普遍反映自助服务的需求，有60%的用户希望能够通过网银系统进行账户冻结、挂失、修改密码等操作。
用户们还希望网银系统能够提供在线客服、常见问题解答等支持。
5. 安全性和隐私保护：用户们对于网银系统的安全性和隐私保护非常关注，近90%的用户表示他们希望网银系统能够提供多种安全认证方式，比如短信验证码、动态口令卡等。
用户们还希望网银系统能够加强对个人信息的保护，防止个人信息被泄露。
四、建议与总结根据以上调研结果，我们提出以下建议：1. 在转账功能方面，应该考虑提供更多种类的转账方式，比如跨行转账、跨境转账、定期定额转账等，以满足用户不同的转账需求。
2. 查询功能方面，应该考虑提供更全面的查询功能，包括账户余额、交易明细、账单等信息，并且还需要提供其他金融产品的查询功能。
网上银行系统需求分析报告
银行系统子系统网上银行需求分析报告2组项目经理：王爵组员：郭明佳杨晨陈松浩肖瑶程行张伊乔贺夤一、概况（一）开发的背景随着因特网发展的日新月异，人们利用网络来实现相互之间的协同工作以及资源共享越来越成为时代的潮流，一个不可扭转的趋势。
目前，因特网已经深入到我们生活的各个领域——学校，银行，医院，公司，企业等等。
为方便人们的经济活动，网上银行正逐渐的走进人们的生活。
我们要实现的系统主要面向所有银行系统和所有客户。
各个银行工作人员的主要任务是实现相应的信息发布，更新，录入工作，而用户则主要实现信息的反馈，相应的查询事件。
要实现这个系统，需要先调研，弄清楚客户的需求情况，以便于有的放矢。
系统的开发过程需要两台机器，一台服务器，一台客户机，服务器一端需要安装win2000以上服务器版以及完成相关的配置。
系统的开发人员至少需要8个，一个做信息发布端，一个做客户端。
程序完成以后，需要调试运行，整个实现需要三个月左右。
（二）系统的目标提供网上形式的传统银行业务，包括银行及相关信息的发布、客户的咨询投诉、账户的查询勾兑、申请和挂失以及转账功能。
电子商务相关业务，包括商户对客户模式下的购物、外汇买卖、网上支付功能。
二、系统的功能性需求通过网上银行，客户可以进行以下操作：1.一卡通账户信息查询：客户可以查看所有已选择开通的一卡通下各个子账户的名称、币种、余额、起息日、存期、利率等信息；2.一卡通交易信息查询：客户可以查询一卡通账户下任意时间段的所有交易记录，包括所有存取款、转账、利息结算、贷款的发放及偿还等；3.转账：客户可以在一卡通或信用卡账户之间进行转账，本账户内定活互转，转账时需提供转入帐户的客户姓名及账号。
网上银行同时提供收款方信息管理功能，供用户存储常用的收款方信息，以便下次转账；4.财务分析：客户可以对自己某一个时间段的财务收支情况进行分析，查看自己所有收支（包括所有一卡通以及信用卡）的分类明细以及相应的图形表示；5.修改密码：客户可以修改自己的网上银行密码和账户密码；6.网上挂失：客户可以在网上对自己的一卡通和信用卡账户进行挂失，挂失之后该账户将不能进行存取款及转账操作。
网上银行系统分析(网上支付实验报告)
实验时间：2010 年11月11日3-4节一、实验运行环境硬件：PC机，宽带网软件：Win2000 / WinXP以上版本，IE5.0及以上版本，WORD2000；银行客户端软件二、实验目的通过本实验让学生明确各商业银行提供的网上金融服务；掌握个人及企业网络银行系统的功能模块、业务特点；注重培养学生的分析问题、解决问题的能力。
三、实验内容和步骤(一)明确实验对象本次实验，选择中国工商银行、中国建设银行以及中国银行的网上银行作为研究对象，针对所选三家商业银行提供的网上金融服务内容，分别比较个人与企业业务、个人与企业安全保障机制。
1．中国工商银行(/icbc/)；2．中国建设银行(/cn/ebank/index.html)；3．中国银行(/index.html)(二)网上个人业务比较1．工商银行个人网上银行下图为工商银行个人网银主页，图中指示部分为工商银行向个人网银用户提供服务内容，包括账户管理、汇款服务、投资理财、支付缴费、信用卡服务及安全服务。
个人业务服务项目2．建设银行个人网上银行下图为建设银行个人网银相关服务，包括账户查询、转账汇款、缴费支付、信用卡、个人贷款、投资理财(基金、黄金、外汇等)传统服务，以及利用电子渠道服务优势提供的网上银行特有服务。
图中指示部分为特色服务专区。
3．中国银行个人网上银行下图为中国银行个人网银，向用户提供的几大功能模块分别为查询服务、转账汇款、账单缴付、投资理财、结售汇，信用卡、电子支付、贷款管理、跨行互联以及便捷服务，在此基础上进一步对服务项目细分。
4．将三家商务银行的个人网银业务具体资料整合，列表如下：工商银行建设银行中国银行账户管理账户管理，自助挂失，托管账户，企业年金查询，住房公积金查询，工银信使服务，个人电子回单，个人电子对账单，在线申请，网银互联账户我的网银，账户查询，追加新账户，虚拟卡，VIP对账单，个性化设置，E家亲账户，其他账户服务账户查询，服务记录查询转账汇款工行汇款，跨行汇款，跨境汇款，向境外VISA卡汇款，向E-mail、手机号汇款活期转账汇款，定活互转，向企业转账，跨行转账，预约转账，批量转账，外汇汇款，结果查询，收款人名册转账管理，定期存款，通知存款，转账记录，预约管理支付缴费在线支付，牡丹卡在线境外支付，电话支付，信用支付，e卡，委托代扣，自助缴费，代缴学费，代客缴费缴费支付，批量缴费，预约缴费，缴费支付记录查询，E付通，银行卡网上小额支付自助缴费，网上支付特色服务投资理财 存款服务，贷款服务，理财服务，保险服务，国债服务，基金服务，贵金属服务，外汇服务，证券服务，期货服务，网上金融超市，个人财务分析软件基金业务，外汇买卖，黄金业务，债券业务，保险业务，银证业务，银行存管，证券管理，理财产品，银期直通车；我的贷款，归还贷款，贷款维护，贷款试算 中银理财计划，外汇交易，黄金交易，基金交易，B 股银证转账，第三方存管，国债交易，银期转账；小额结售汇；贷款查询 信用卡 信用卡服务(办卡、换卡申请，透支还款，信用卡资料查询、修改等) 信用卡开卡，信用卡查询，信用卡还款，购汇还款，信用卡管理，3DS 管理，信用卡查询，信用卡还款，信用卡功能设定表1 网上个人业务 5．个人网银业务小结对工商银行、建设银行和中国银行的个人网银业务整合后，基本可以分为5类服务项目，即账户管理、支付缴费、投资理财及信用卡服务。
信息系统外文文献翻译---系统的分析与设计
附录1 外文翻译(原文)Systems Analysis and DesignWorking under control of a stored program, a computer processes data into information. Think about that definition for a minute. Any given computer application involves at least three components: hardware, software, and data. Merely writing a program isn't enough; because the program is but one component in a system.A system is a group of components that work together to accomplish an objective. For example, consider a payroll system. Its objective is paying employees. What components are involved? Each day，employees record their hours worked on time cards. At the end of each week, the time cards are collected and delivered to the computer center, where they are read into a payroll program. As it runs, the program accesses data files. Finally, the paychecks are printed and distributed. For the system to work, people, procedures, input and output media, files, hardware, and software must be carefully coordinated. Note that the program is but one component in a system.Computer-based systems are developed because people need information. Those people, called users, generally know what is required, but may lack the expertise to obtain it. Technical professionals, such as programmers, have the expertise, but may lack training in the user's field. To complicate matters, users and programmers often seem to speak different languages, leading to communication problems. A systems analyst is a professional who translates user needs into technical terms, thus serving as a bridge between users and technical professionals.Like an engineer or an architect, a systems analyst solves problems by combining solid technical skills with insight, imagination, and a touch of art. Generally, the analyst follows a well-defined, methodical process that includes at least the following steps;1.Problem definition2.Analysis3.Design4.Implementation5.MaintenanceAt the end of each step, results are documented and shared with both the user and the programmers. The idea is to catch and correct errors and misunderstandings as early as possible. Perhaps the best way to illustrate the process is through example.Picture a small clothing store that purchases merchandise at wholesale, displays this stock, and sells it to customers at retail. On the one hand, too much stock represents an unnecessary expense. On the other hand, a poor selection discourages shoppers. Ideally, a balance can be achieved: enough, but not too much.Complicating matters is the fact that inventory is constantly changing, with customer purchases depleting stock, and returns and reorders adding to it. [1] The owner would like to track inventory levels and reorder and given item just before the store runs out. For a single item, the task is easy-just count the stock-on-hand. Unfortunately, the store has hundreds of different items, and keeping track of each one is impractical. Perhaps a computer might help.2-1 Problem DefinitionThe first step in the systems analysis and design process is problem definition. The analyst's objective is determining what the user (in this case, the store's owner) needs. Note that, as the process begins, the user possesses the critical information, and the analyst must listen and learn. Few users are technical experts. Most see the computer as a "magic box, "and are not concerned with how it works. At this stage, the analyst has no business even thinking about programs, files, and computer hardware, but must communicate with the user on his or her own term.The idea is to ensure that both the user and the analyst are thinking about the same thing-Thus, a clear, written statement expressing the analyst's understanding of the problem is essential. The user should review and correct this written statement. The time to catch misunderstandings and oversights is now, before time, money and effort are wasted.Often, following a preliminary problem definition, the analyst performs a feasibility study. The study a brief capsule version of the entire systems analysis and design process, attempts to answer three questions:1.Can the problem be solved?2.Can it be salved in the user's environment?3.Can it be solved at a reasonable cost?If the answer to any one of these questions is no, the system should not be developed. Given a good problem definition and a positive feasibility study, theanalyst can turn to planning and developing a problem solution.2- 2 AnalysisAs analysis begins, the analyst understands the problem. The next step is determining what must be done to solve it. The user knows what must be done 1 during analysis; this knowledge is extracted and formally documented. Most users think in terms of the functions to be performed and the data elements to be manipulated. The objective is to identify and link these key functions and data elements, yielding a logical system design.Start with the system's basic functions. The key is keeping track of the stock-on-hand for each product in inventory. Inventory changes because customers purchase, exchange, and return products, so the system will have to process customer transactions. The store's owner wants to selectively look at the inventory level for any product in short supply and, if appropriate, order replacement stock, so the system must be able to communicate with management. Finally, following management authorization, the system should generate a reorder ready to send to a supplier.Fig 1Given the system's basic functions, the analyst's next task is gaining a sense of their logical relationship. A good way to start is by describing how data flow between the functions. As the name implies, data flow diagrams are particularly useful for graphically describing these data flows. Four symbols are used (Fig. 1). Data sources and destinations are represented by squares; input data enter the system from a source, and output data flow to a destination. Once in the system, the data are manipulated or change by processes, represented by round-corner rectangles. A process might be a program, a procedure, or anything else that changes or moves data. Data can be held for later processing in data stores, symbolized by open-ended rectangles. A data store might be a disk file, a tape file, a database, written notes, or even a person's memory.Finally, data flow between sources, destinations, processes, end data stores over data flows, which are represented by arrows.Fig 2Figure 2 shows a preliminary data flow diagram for the inventory system. Start with CUSTOMER. Transactions flow from a customer f into the system, where they are handled by Process transaction. A data store, STOCK, holds data on each item in inventory. Process transaction changes the data to reflect the new transaction. Meanwhile, MANAGEMENT accesses the system through Communicate, evaluating the data in STOCK and, if necessary, requesting a reorder. Once, a reorder is authorized. Generate reorder sends necessary data to the SUPPLIER, who ships the items to the store. Note that, because the reorder represents a change in the inventory level of a particular product or products it is handled as a transaction.The data flow diagram describes the logical system. The next step is tracing the data flows. Start with the destination SUPPLIER. Reorders flow to suppliers; for example, the store might want 25 pairs of jeans. To fill the order, the supplier needs the product description and the reorder quantity. Where do these data elements come from? Since they are output by Generate reorder, they must either be Input to or generated by this process. Data flow into Generate reorder for STOCK; thus, product descriptions and reorder quantities must be stored in STOCK.Other data elements, such as the item purchased and the purchase quantity are generated by CUSTOMER. Still others, for example selling price and reorder point, are generated by or needed by MANAGEMENT. The current stock-on-hand for a given item is an example of a data element generated by an algorithm in one of the procedures. Step by step, methodically, the analyst identifies the data elements to be input to .stored by, manipulated by, generated by, or output by the system.To keep track of the data elements, the analyst might list each one in a datadictionary. A simple data dictionary can be set up on index cards, but computerized data dictionaries have become increasingly popular. The data dictionary, a collection of data describing and defining the data, is useful throughout the systems analysis and design process, and is often used to build a database during the implementation stage.The idea of analysis is to define the system's major functions and data elements methodically. Remember that the objective is translating user needs into technical terms. Since the system starts with the user, the first step is defining the user's needs. Users think in terms of functions and data. They do not visualize programs, or files, or hardware .and during this initial, crucial analysis stage it is essential that the analyst think like a user, not like a programmer.Data flow diagrams and data dictionaries are useful tools. They provide a format for recording key information about the proposed system. Also, they jog the analyst's memory) for example, if the analyst doesn't have sufficient information to complete a data dictionary entry, he or she has probably missed something. Perhaps most importantly, the data flow diagram and the data dictionary document the analyst's understanding of the system requirements. By reviewing these documents, the user can correct misunderstandings or oversights. Finally, they represent an excellent starting point the next step, design.2-3 DesignAs we enter the design stage, we know what the system must do, and thus can begin thinking about how to do it. The objective is to develop a strategy for solving the problem. At this stage, we are not interested in writing code or in defining precise data structures; instead, we want to identify, at a black box level, necessary programs, files, procedures, and other components.The data flow diagram defines the system's necessary functions; how might they be implemented? One possibility is writing one program for each process. Another is combining two or more processes in a single program; there are dozens of alternative solutions. Let's focus on one option and document it.A system flowchart uses symbols to represent programs, procedures, hardware devices, and the other components of a physical system (Fig. 3). Our flowchart (.Fig.4) shows that transaction data enter the system through a terminal, are processed by a data collection program, and then are stored on an inventory file. Eventually, the inventory file is processed by a Report and reorder program. Through it, management manipulates the data and authorizes reorders.Fig. 4 on a system flowchart, symbols represent programs, procedures, hardware devices, and the other components of a physical system.Fig 3Look at the system flowchart. It identifies several hardware components, including a computer, a disk drive, a data entry terminal, a printer, and a display terminal. Two programs are needed; Process transaction and Report and reorder. In addition to t he hardware and the programs, we’ll need data structures for the inventory file and for data flaws between the I/O devices and the software. Note that this system flowchart illustrates one possible solution; a good analyst will develop several feasible alternatives before choosing one.Fig 4The flowchart maps the system, highlighting its major physical components. Since the data link the components, the next task is defining the data structures.Consider, for example, the inventory file. It contains all the data elements from the data store STOCK. The data elements are listed in the data dictionary. Using them, the file's data structure can be planned,How should the file be organized? That depends on how it will be accessed. For example, in some applications, data are processed at regular, predictable intervals. Typically, the data are collected over time and processed together, as a batch. If batch processing is acceptable, a sequential file organization is probably best.It is not always possible to wait until a batch of transactions is collected, however. For example, consider an air defense early warning system. If an unidentified aircraft is spotted it must be identified immediately the idea of waiting until 5 _ 00 p.m. because "that's when the air defense program is run" is absurd. Instead, because of the need for quick response, each transaction must be processed as it occurs. Generally such transaction processing systems call for direct access file.Our inventory system has two programs. One processes transactions. A direct access inventory file seems a reasonable choice. The other allows management to study inventory data occasionally; batch processing would certainly do. Should the inventory file be organized sequentially or directly? Faced with such a choice a good analyst considers both options. One possible system might accept transactions and process them as they occur. As an alternative, sales slips might be collected throughout the day and processed as a batch after the store closes. In the first system, the two programs would deal with direct access files; in the second system, they would be linked to sequential files. A program to process direct access data is different from a program to process sequential data. The data drive the system. The choice of a data structure determines the program’s structure. Note that the program is defined and planned in the context of the system.2- 4 ImplementationOnce the system's major components have been identified .we can begin to develop them. Our system includes two programs, several pieces of equipment, and a number of data structures. During implementation, each program is planned and written using the techniques described in Chapter 7. Files are created, and their contents checked. New hardware is purchased, installed, and tested. Additionally, operating procedures are written and evaluated. Once all the component parts are ready, the system is tested. Assuming the user is satisfied, the finished system is released.2- 5 MaintenanceMaintenance begins after the system is released. As people use it, they will suggest minor improvements and enhancements. Occasionally, bugs slip through debug and testing, and removing them is another maintenance task. Finally, conditions change, and a program must be updated; for example, if the government passes a low changing the procedure for collecting income taxes, the payroll program must be modified. Maintenance continues for the life of a system, and its cost can easily match or exceed the original development cost. Good planning, solid documentation, and well-structured programs can help to minimize maintenance cost.附录2 外文翻译(译文)系统的分析与设计在存储程序的控制下，计算机把数据处理成信息。
网上银行系统分析报告
业务特点：安全可靠、功能强大、方便快捷、信息丰富
网上业务较多,无论是在投资、管理、借贷、理财等各个方面,都做的比较完善.而且设置灵活--以登录卡为主线，可为牡丹信用卡、灵通卡、外币活期一本通等不同类型的账户申请不同功能,并可在线对各种账户的各项功能进行修改。中国工商银行的网上银行分为金融@家存折版、金融@家网上注册版、金融@家柜面注册版和金融@家证书版，成为工行的网上银行客户后，您除了可以在线任意转账汇款、简便的信用卡网上还款、灵活方便的在线缴费外，它还可以实现便捷高效的网上支付和专业化的外汇、证券和保险信息及交易服务。工行的网上银行针对不同的客户进行了业务细分，这在极大程度上方便了用户根据自己的情况选择业务种类。网上银行登录速度较快，安全性也非常不错。
1.主动付款：可由中国建设银行签约账户向全国任何一个商业银行的账户进行转账；
2.主动收款：经过对方授权可以主动收取国内中国建设银行其他机构企业3.实现中国建设银行账户之间资金调拨实时到账；
4.实现网上批量代发工资；
5.实现企业电子商务，组建网上商城。
资金管理
1．离岸业务：银行吸收居民的资金，为非居民服务
（1）、中国银行
在对公业务中：中国银行在国际结算业务中与其他三家国有银行区别较大，其中进口汇利达是中国银行独具特色的贸易融资新产品，出口全益达是中国银行专门设计的贸易融资综合解决方案。中国银行在国际结算业务中还有一个比较特色的业务是：国际金融机构及政府贷款项下贸易结算。中国银行的船情调查业务是中国银行通过与国际海事局、LLOYDS合作，向客户提供包括承运人、船名、起运港、货物情况等在内的调查服务。这些服务都其他三家国有银行所不具备的业务。 对私业务中：除基本的业务外，中国银行还具有赴英留学特色金融服务——为赴英留学生量身定制的代理开户见证业务
对提高我国网上银行服务质量的研究 学位论文
天津外国语大学滨海外事学院经济系本科生毕业论文题目：对提高我国网上银行服务质量的研究Research on Improving the Service Quality of Lnternet Banking in China作者邵天宇学号 120664089专业国际经济与贸易班级 120407指导教师王维红完成日期中文摘要随着互联网技术的不断发展，互联网技术应用的不断深入，我国网上银行的发展也以较快的速度发展，网上银行的普及程度已经非常高，而且网上银行功能的日益强大已经在一定程度上代替了实体银行职能。
如今的网上银行不仅为银行客户提供了全新的银行服务，使得服务能够深入走进客户的生活，便利客户的生活的方方面面。
随着网上银行的不断完善以及网上银行服务的完善和质量的提升，网上银行的用户呈直线上升的趋势，网上银行已经成为商业银行普遍采用的一种业务形式，能够有效帮助银行提高经营效益，降低经营成本并提升客户满意度，增强银行的竞争力。
本文以我国网上银行及网上银行服务为背景，分析了网上银行服务中存在的问题，以为题为导向提出了相应的解决措施，为提升我国网上银行服务质量做了充分的研究。
关键词：网上银行；服务质量；概述；问题；策略ABSTRACTWith the continuous development of Internet technology, the deepening of the application of Internet technology, the development of the Internet Bank in our country also to a more rapid pace of development, the popularity of online banking has very high and function of the bank on the net of increasingly powerful has in a certain extent, instead of the solid banking functions. Today's online banking not only for bank customers to provide a new banking services, so that the service can go deep into the customer's life, to facilitate the life of all aspects of the customer. With the online bank of continuous improvement and improvement of Internet banking services and quality promotion, online banking users showed a linear upward trend, Internet banking has become a kind of business form generally adopted by commercial banks, can effectively help the banks to improve operating efficiency, low operating cost is reduced and enhance customer satisfaction, enhance the bank's competitiveness. The China's Internet banking and Internet banking services as the background, analyzes the problems of Internet banking services in the presence of, to the topic oriented put forward corresponding solutions, sufficient research to improve China's Internet banking service quality.Key words: online banking; service quality; overview; problem; strategy目录一、引言 (1)二、我国网上银行的特点及现状 (1)（一）我国网上银行的特点 (1)1.打破时间和地点的限制 (1)2.运营成本低 (2)3.高效率、高速度 (2)（二）我国网上银行的现状 (2)三、我国网上银行服务的概述 (3)（一）我国网上银行服务的现状 (3)（二）网上银行服务的特征 (3)1.以服务为导向 (4)2.建立银行与用户的长久关系 (4)3.不断优化网上银行经营 (4)四、网上银行服务中存在的问题 (4)（一）服务策略不完善 (4)（二）系统安全性不高 (4)1.操作风险 (5)2.银行内部基础系统存在漏洞 (5)3.互联网安全问题突出 (5)（三）信息不对称 (6)（四）平台设计不完善 (6)（五）售后服务不配套 (6)五、提高我国网上银行服务质量的策略 (7)（一）丰富并创新网上银行服务内容 (7)（二）加强网上银行系统安全性 (7)（三）加强网上银行信息化建设 (8)1.信息基础工程建设 (8)2.加密技术的建设 (8)（四）改善网银界面设计 (8)（五）建立良好的客户关系管理机制 (9)六、结论 (9)参考文献 (11)对提高我国网上银行服务质量的研究一、引言随着信息技术的发展和移动终端应用的不断拓展，商业银行普遍建立的网上银行的服务平台，实现与实体银行同步的业务办理和服务，提升了银行业务办理的效率，减少了实体银行业务办理的压力，以网上银行为契机加快银行的个性化发展，不断强化银行自身的竞争优势。
网络银行使用的系统性分析
网络银行使用的系统性分析网络银行确立伊始后其业务骤增，有关网络银行使用的研究相应增加，但学者们面临着一系列挑战：这一研究领域突破各学科界限并导致分散的结论。
为此，本文系统地识别、回顾和分析有关网络银行使用主题的文献，揭示这一研究领域的分析方法、理论、观点、趋势和不足。
研究结果显示影响用户使用网络银行的关键因素是感觉易用性，使用成本、感知风险、感知有用性等。
问卷调查相比其他分析技术手段被更广泛地采用，网络银行使用的研究趋势已经从描述型研究转向理论型研究，比较分析理论或模型的有效性正成为研究热点。
标签：网络银行；使用；文献二十世纪九十年代以来，互联网信息和通信技术在银行的应用快速增长，颠覆了银行服务客户的方式，为用户的金融交易提供诸多新的渠道、分析和决策方式（X. Luo等，2010）。
网络银行允许用户超越时间和空间独立地实时进行金融交易，并为用户提供海量的金融产品信息和搜索服务，满足用户的异质化需求。
一、文献选择本文的网络银行（Internet Bank，IB）界定有别于电子银行（Electronic Bank），IB只是电子银行业务的一种形式，电子银行还涵盖手机银行，电话银行和自动取款机。
本文排除与电子银行业务中其他主题相关的文献，仅研究网络银行使用主题的相关文献。
IB使用的研究综合了四个研究领域：信息技术，金融，营销，服务管理（Akinci等，2004）。
因此，本文在这四个领域中有影响力的相关数据库搜索文献，数据库包括：中国（CNKI）学术文献总库、Elsevier ScienceDirect、Web of Knowledge、Emerald Fulltext、Springer link、JSTOR 、WorldSciNet、Taylor & Francis、EBSCO。
采用以下标准搜索并选择文献：第一，因IB出现在上世纪九十年代中期，有关网络银行使用研究的第一篇文献发表于1998年，所以文献来源的时间跨度为1998年1月份至2015年12月份。
网上银行系统的优化研究与扩展设计的开题报告
网上银行系统的优化研究与扩展设计的开题报告一、选题背景和意义随着互联网和智能手机的普及，越来越多的人开始使用网上银行系统进行金融交易，如转账、存款、贷款、理财等。
然而，现有的网上银行系统还存在一些问题，例如用户体验不够优化，安全性不够高等。
因此，优化现有的网上银行系统并加强其安全性已经成为一个迫切的问题。
本研究旨在对网上银行系统进行优化研究和扩展设计，以提高其用户体验和安全性，具体包括以下内容：1.分析现有的网上银行系统的缺陷和不足，并提出优化建议。
2.设计一个基于人机交互的网上银行系统，提高用户使用体验。
3.设计并加强网上银行系统的安全机制，保障用户的金融信息安全。
本研究的意义在于，能够提高网上银行系统的用户体验和安全性，为用户提供更加便捷、安全的金融服务。
另外，本研究可为其他金融机构提供参考和借鉴，以提高其网上金融交易系统的质量和保障用户的金融安全。
二、研究方法和技术路线1.分析已有的文献，包括国内外学术期刊和会议论文、报告和相关书籍等，了解现有的网上银行系统存在的问题和解决方案。
2.针对网上银行系统的人机交互进行实证研究，使用用户体验设计方法和技术，设计和评估一个基于人机交互的网上银行系统。
3.通过模拟攻击和漏洞扫描等技术，对网上银行系统的安全机制进行测试和评估，提出加强安全机制的建议。
4.结合实证研究和安全机制测试的结果，提出网上银行系统优化和扩展设计的实现方法和技术路线。
三、预期成果1.提出网上银行系统的优化建议，包括优化用户体验、加强安全性等方面的建议。
2.设计并实现一个基于人机交互的网上银行系统，提高用户体验。
3.设计并加强网上银行系统的安全机制，保障用户金融信息安全。
4.验证本研究的结果，为其他金融机构提供参考和借鉴。
四、研究工作计划1.研究文献调研和分析（2个月）。
2.网上银行系统人机交互实证研究（4个月）。
3.网上银行系统安全机制测试和评估（3个月）。
4.网上银行系统优化和扩展设计（3个月）。
网上银行系统的研究与实现
ｍ ｎ ｇ ｍ ｎ ｆ ａ ｃ ｕ ｔ ｎ ｒ ｎ ｆ ｒ ａ ｃ ｕ ｔ ， ｅ ｃ． Ｃ ｉ ｎ ｓ ｃ ｎ ｆ ｌ ｙ ｅ ｊ ｙ ｔ ｅ ｎ ｗ ｅ ｏ ｏ ｉ ｌ ｆ ｎ ｉ ｅ．Ｔ ｅ ａ ａ ｅ ｅ ｔｏ ｃ ｏ ｎ ｓａ ｄ ｔａ ｓｅ ｃｏ ｎ ｓ ｔ ｌ ｅ ｔ ａ ｕ ｌ ｎｏ ｈ ｅ ｃ ｎｍ ｃ ｉ ｅｏ ｌｎ ｈ
ｐ ｐ ｉ ｔｒ ｄｕ ｅｓ ＡＳ ｄ ｏ ｅ ａｓ ｋ ｏｗｌ ｇｅ ｏｒ ｓ ｏｎ ｎ ｔ ａ ｅｒ ｎ ｏ ｃ Ｐ ａｎ ｓ ｍ ｂ ｉｃ ｎ ｅｄ ｃ ｒｅ ｐ ｄｉ ｇ ｏ ｄａｔ ｂａ ｅ ｎｄ ｔ ｎ ａｎ ｙｓ ｅ ｍｏ ａ ｓ ａ ｈｅ ａｌ ｅｓ ｔｈ ｄｕｌ ｓ’ ｆ ｃｔ ｏｎ ｅ ｕｎ ｉ ａｎ ｔｈ ｗａ ｔ ｉ ｄ ｅ ｙ ｏ ｍｐｌ ｍｅ ｔ ｍ ｕｃ ａｓ ｅ ｎｔ ｈｅ ｓ ｈ ｐｕ ｉｃ ｂｌ ｂｕｓ ｎｅ ｉ ｓｓ， ｐ ｒｉｖ ｔ ｂ ｉ ａ ｅ ｕｓ ｎｅｓ ｓ ａｎｄ ｙｓ ｍ ｏｎｆ ｇｕｒ ｉｏ Ｉ ａ ｏｒ ｓ ｔｅ ｃ ｉ ａｔ ｎ． ｎ ｗ ｄ， ｔ ｅ ａ ｐｅｒ ｈ ｐ ｇｉｖ ｓ ｂｒｉ ｆ ｅ ａ ｅ ｉｎ ｒｏ ｃｔｉ ｎ ｔ ｄｕ ｏ ｔｏ ｅｓ ｎ ｄ ｉｇ ａｎ ｉ ｄ ｍｐｌ ｍｅ ａｔｉ ｎ ｅ ｎｔ ｏ ｏｆ ｎ ａ Ｅ－ ｂａｎ ｋ．
（ 昌理工学 院，南昌 ３ ０ ４ ） 南 ３ ０ ４
（ａ ｃａ ｇ Ｉ ｓ ｉｕ ｅ ｏ ｅ ｈ ｏ ｏ ｙ ａ ｃ ａ ｇ ３ ０４ ） Ｎ ｎ ｈ ｎ ｎ ｔ ｔ ｔ ｆ Ｔ ｃ ｎ ｌ ｇ ，Ｎ ｎ ｈ ｎ ３ ０ ４
统 系 行 银 上 网
的 研 究 与 实
现
Ｋ ｖ ｒ ｓ — ａ ｋ； Ａ Ｐ：Ａ Ｏ ｅ ｗｏ ｄ ：Ｅ ｂ ｎ Ｓ Ｄ
网上银行系统【开题报告】
毕业论文开题报告信息与计算科学网上银行系统一、选题的意义目前银行之间的竞争其日趋激烈，各银行都是以客户的利益为中心,能够在服务中站在各银行的前端都是各大银行的梦寐以求的事情，虽然现在很多银行在人工服务上做得相当的不错，但是有时候人工的服务效率非常难满足大量用户的集体需求，随着现在计算机技术的不断改进和发展，设计一个能够自动在网上进行银行的一些业务需求的软件就显得尤为必要。
目前，虽然各大银行都相继推出了自己的网上银行系统，但是还有很多功能还是得客户自己去银行进行处理，有时处于某些特许情况下的客户会对这种方式感觉到不够方便。
本文主要是根据现在银行的客户服务需求设计一个能够实现大部分功能的网上银行系统，该软件主要实现以下的银行服务功能：登陆模块、信用卡模块、借记卡模块、取钱、还款、转帐等。
想通过这些来提高贷款质量，减少信贷风险，实现信贷业务的集约化经营、科学化管理，对增强信贷资产的安全性，提高信贷管理水平，规范业务流程，加强信贷预测和决策的科学性。
同时，也希望给单个用户进行个人的存取款操作带来更大的方便。
二、研究的主要内容，拟解决的主要问题（阐述的主要观点）主要是将银行系统的一些业务用现在的计算机软件来解决，通过对银行业务的了解设计出能提高银行的服务效率的网上银行系统，主要要解决的问题有：使用java的技术，采用面向对象的软件开发技术，采用三大框架来实现该软件的功能。
三、研究（工作）步骤、方法及措施（思路）1.1---1.20 明确论文的研究方向查阅相关资料准备开题报告1.20---2.10 完成论文的开题报告和任务书准备论文初稿2.11---3.1 完成毕业论文的初稿并交指导教师审阅3.2---3.28 根据指导教师意见修改论文初稿准备论文其它部分3.29---4.15 根据指导教师意见修改毕业论文的不足之处4.15---4.22 完成毕业论文全部内容定稿四、毕业论文（设计）提纲1 引言2 软件系统的需求说明：2.1 需求说明书2.2 需求用例文档3 软件的设计3.1 总体的设计思路简介3.2 详细设计4 软件效果的图形演示及操作说明4.1 操作的效果图形及文字说明4.2 该软件的操作说明4.3 对于该软件不足的几点说明和需改进的说明5 总结五、主要参考文献[1] Bruce Eckel Thinking in Java Fourth Edition President, MindView, Inc.[2] 孙更新，宾晟，宫生文《Java程序开发大全——基于MyEclipse平台+Struts+Hibernate+Sprin》中国铁道出版社2010[3] 陈国才《Web项目开发案例教程》化学工业出版社2010[4] 孙卫琴《Java网络编程精解》电子工业出版社2007[5] 温谦《HTML+CSS网页设计与布局从入门到精通》人民邮电出版社2008[6] 孙鑫《Servlet/JSP深入详解——基于Tomcat的Web开发》电子工业出版社2008[7] 郭珍，《王国辉JSP程序设计教程》机械工业出版社2010[8] 耿祥义，张跃平《Java大学实用教程（第2版）》电子工业出版社2008[9] 黄缙华《MySQL入门很简单》清华大学出版社2011[10] 陈华《Ajax从入门到精通》清华大学出版社2008[11] 史济民顾春华郑红《软件工程——原理、方法与应用（第三版）》高等教育出版社2009。
网上银行调查分析报告
中国工商银行网上银行调查分析报告网上银行简介网上银行又称网络银行、在线银行，是指银行利用Internet技术，通过Internet 向客户提供开户、销户、查询、对帐、行内转帐、跨行转账、信贷、网上证劵、投资理财等传统服务项目，使客户可以足不出户就能够安全便捷地管理活期和定期存款、支票、信用卡及个人投资等。
可以说，网上银行是在Internet上的虚拟银行柜台。
网上银行又被称为“3A银行”，因为它不受时间、空间限制，能够在任何时间(Anytime)、任何地点(Anywhere)、以任何方式(Anyway)为客户提供金融服务。
网上银行拥有4大优势，即1：全面实现无纸化交易。
以前使用的票据和单据大部分被电子支票、电子汇票和电子收据所代替；原有的纸币被电子货币，即电子现金、电子钱包、电子信用卡所代替；原有纸质文件的邮寄变为通过数据通信网络进行传送。
2：服务方便、快捷、高效、可靠。
通过网络银行，用户可以享受到方便、快捷、高效和可靠的全方位服务。
任何需要的时候使用网络银行的服务，不受时间、地域的限制，即实现3A服务（Anywhere,Anyhow, Anytime）。
3：经营成本低廉。
由于网络银行采用了虚拟现实信息处理技术，网络银行可以在保证原有的业务量不降低的前提下，减少营业点的数量。
4：简单易用。
网上E-mail 通信方式也非常灵活方便，便于客户与银行之间以及银行内部的沟通。
与传统银行业务相比，网上银行业务有许多优势。
一是大大降低银行经营成本，有效提高银行盈利能力。
开办网上银行业务，主要利用公共网络资源，不需设置物理的分支机构或营业网点，减少了人员费用，提高了银行后台系统的效率。
二是无时空限制，有利于扩大客户群体。
目录一、品牌介绍﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒4二、基本情况及业务介绍﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒5三、适用对象﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒55 四、开办条件及流程﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒6 五、特色﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒8 六、优势﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒12 七、安全技术﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒12 八、收费标准﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒13 九、评价﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒﹒一、品牌介绍中国工商银行的电子银行业务品牌为“金融@家”，@的谐音为“at”，意指在家就能为客户全方位开展金融业务。
电子银行研究互联网金融外文文献翻译
电子银行研究互联网金融外文文献翻译文献出处：Safeena R. The study on the development of electronic banking business [J]. International Journal of Information, 2015, 12(2): 55-65.原文The study on the development of electronic banking businessSafeena RAbstractThis article mainly from the electronic banking business development present situation and problems, this paper carefully analyses the electronic banking operational risk, reputation risk and legal risk, so as to find out the healthy development of the electronic banking technology security measures should be taken, the external resource management, professional and technical training and the establishment of the emergency measures, etc., To vigorously promote the development of electronic banking business.Keywords: Electronic banking; Business development; strategy1 IntroductionRefers to the banking financial institutions to use electronic banking facing the social public open communication channel, or open the public network, as well as the bank for particular self-service facilities or customers to establish dedicated network, provide banking services to customers. Way to the new service for the customer, make customer not limited by geographical and time and space, (Anytime), at any time, Anywhere (Anywhere), in any way (Anyhow) to provide services, namely say usually 3Aservice. Banks through electronic channels to provide customers with related products and services include: commercial POS terminals, ATM teller machines, telephone banking, personal computer, Internet, mobile phone, etc. Electronic banking business belongs to a whole new way of banking services, is the combination of information technology and the existing banking product innovation, and added to the promotion of counter service. Electronic banking business from scratch, since the childhood, in recent years has entered a fast track of development, with online banking, telephone banking, mobile banking, self-service banking, online securities, such as online insurance new service way, for the majority of users has brought convenient service experience.2 The existing problems in the development of electronic banking business2.1 Electronic trading ideas are fairly weakAlthough the bank has now had the very big development, but there are quite a few people remain skeptical about whether electronic trading actually, the idea of people also can't keep up with the development of network technology and quality. Electronic trading requires not only the popularity of network terminal equipment, also need to participants for mastering and using of e-commerce and network technology, and the several aspects are also quite weak.2.2 Lack of national unity, authority CA authentication centerAt present, the bank on the net is directly or indirectly, the CA founded on their own. From the perspective of the specification, only to the construction of unified national public certification center, can play the role of neutral, authoritative certification center. The people's bank has sent in April 1999, thetender, start building unified CA authentication center, but progress has been slow. When this kind of situation hindered the pace of construction of commercial bank for online banking, commercial Banks or pedestrian area of the branch will be redesigned. If Banks or regions are building their own CA authentication center, construction before they are unified, there will be a cross certification, if coupled with cross with foreign Banks. Certification, will greatly hinder the bank on the net service efficiency and accuracy, and can also lead to repeated construction and waste of resources.2.3 Credit mechanism is not sound, the market environment is imperfectDespite the current market economy has had the very big development, but the bottom of the credit system development process is relatively low, the current commercial bank electronic payment system is fragmented, patchy credit, enterprises and individual customers cannot share information resources, its overall advantages is not apparent. Associated with electronic payment of customs, taxation, transportation department failed to form a complete set of network with the bank of network level, restrict the development of electronic banking business.2.4 SecurityCustomer identification and guarantee data confidentiality and integrity, is the fundamental guarantee of electronic banking development. Due to the openness of the Internet it and the complexity of electronic banking in technology, information security problems become the core problem in the course of the construction of electronic banking. The network bank three hidden trouble in security: one is the most computer hardware equipment mainly rely on imports from;2 it is system encryptionprogram is not enough, easy resulting in the loss of customer funds; Three is a network system is not stable, easy operating problems, etc.2.5 The laws and regulations is still relatively lagging behindThe rules are in use electronic banking information transmission is the TCP/IP protocol, clear with the customer in a signed a contract on the basis of the rights and obligations relations, problems are resolved through arbitration. Because of the lack of related laws, problem involves responsibility identification, bear, after the execution of arbitration results such as complex legal relationship is difficult to solve now. The new "contract law" although admitted the legal effect of electronic contract, did not solve the problem of the digital signature. These virtually increase the bank and customer trouble of electronic bank financial transactions and risk.2.6 Poor single financial varieties, system integrationTo build an electronic bank, first should basically have the following characteristics: service to all-ionization, risk diversification, information integration, electronic business market, the internationalization of standards and methods. But the single most varieties of banking and finance, the risk is very concentrated; Poor internal business systems integration, data is not uniform, it is difficult to link up the relevant unit organically, and the electronic banking and electronic commerce management and service system also can't keep up with, can't meet the needs of customers. Social economy and the rapid development of science and technology, the overall management of commercial Banks had a profound effect, since entering the foreign Banks gradually into the financial markets, the increasingly fierce competition of banking, electronicbanking become an important competitive weapon. Commercial Banks in order to continue to survival and development under the newsituation, put forward the fundamental requirement to the development of electronic banking, not only effectively pushing it forward quickly, and determines the final development direction.Economic globalization, social information, changed people's thinking and ideas of a new life pattern are emerging. Faster and faster pace of life, more and more active economic activities, make people more and more pursuit of all-weather, anywhere, in any way can enjoy convenient service to the bank. In order to meet this need, commercial Banks must speed up the use of information technology, to launch all kinds of electronic banking self-service products, fully replace traditional counter business, realize electronic banking service mode 3A to permeate the full range of social and economic life, so as to occupy the market, stable customer. In the long run, the income structure of commercial Banks will change, the savings and loan will be more and smaller, poor by loan is poor profit space also more and more narrow, non interest income share will increase steadily. In response to this change, commercial Banks must take electronic banking platform construction into and securities, insurance, funds and other financial enterprises cooperation platform, key development has broad market prospects of electronic banking business innovation, including securities, investment, consulting, intermediary business, how kind of modern business, expanding profit channel and source of income, improve comprehensive selling long-term profitability.3 The operation risk of electronic banking businessWith the rapid development of information in the bank, electronic banking potential risk is increasingly revealed. Because of the electronic banking business is different with the traditional banking business has many characteristics, such as networking, virtualization, self-support, categories of the risk, risk control methods and means there are a lot of particularity, realize electronic banking risk, effective risk prevention, to avoid risk of banking industry and ensure steady and healthy development of the electronic bank has great significance to the maintenance aspects and so on bank credit. Electronic banking business risk the variety, content and form is differ, but generally can be divided into operation risk, reputation risk and legal risk, etc.3.1 Operating riskOperational risk refers to the incomplete due to internal procedure or failure and problems about system, system or manual operation, or the risk of external factors. Concrete and including security risk, system design, operation and maintenance of the risk. Security risk. Due to the increase of the electronic computer function route entry points in the geographic dispersion, and include the Internet public networks such as the use of various communication systems, to enter the bank's core accounting control system and risk management systems are becoming increasingly complicated, a variety of specific access and authentication problems could happen, make the electronic banking system of external attack. Banks will also be due to the negligence of employee fraud and negligence at risk. The system design, operation and maintenance. Banks face the choice of system design is not perfect or run the risk of not smooth. Such as electronic banking system may not be the matchthe needs of customers, business development sluggish; External service providers may not have the necessary professional technology or not update in time or because of their own enterprise fails to fulfill the obligation of technical services; Application system paralysis is not back to normal in time, etc. Due to the development of information technology with each passing day, Banks face the risk of system to be eliminated, and so on.3.2 Reputation riskReputation risk is caused by negative public opinion on bank risk, the bank's ability to establish and maintain customer relationship severely damaged, leading to the significant loss of financing or customer base. For example, online banking products and services produced negative public opinion, or process so that seriously affects the Banks' earnings or damage to the bank's capital, reputation risk when they generate. It will affect the Banks to build new client relationships, so that the agency faces lawsuits, financial losses or reputation losses.3.3 The legal risksLegal risk is due to the violation of laws, regulations, rules or trading habits orprofessional moral and ethical standards, or inconsistent with, or the rights and obligations of the parties fail to allocate, or through electronic media to conclude the agreement for the risks caused by uncertainty, and so on and so forth. Due to lack of electronic banking development can be based on standards, and electronic banking business in trading rules, the validity of contracts, the trade both parties responsibilities and consumers' rights and interests protection, compared with the traditional bank more complex and more difficult to define, the existence ofthe corresponding laws and regulations blank, it is easy to produce fringes of phenomenon, and once a dispute is difficult to solve.译文电子银行业务发展研究Safeena R摘要本文主要从电子银行业务发展的现状及其存在的问题入手, 认真分析了电子银行存在的操作风险、声誉风险和法律风险,从而找出电子银行健康发展应采取的技术安全措施、外部资源的管理、专业技术的培训和应急措施的建立等, 以大力促进电子银行业务发展。
商业银行电子银行业务发展研究外文文献翻译
文献出处:Oliveira M. The research of electronic business development in commercial banking [J]. Research Policy, 2015, 5(6): 806-816.原文The research of electronic business development in commercial bankingOliveira MAbstractWith bank business requirements and the popularity of electronic information technology in the financial sector, intensity of competition in the international within the scope of the financial sector, the traditional management pattern and service of commercial bank faces a bigger challenge, and since the 1990 s, the weak entity economy, electronic commerce and the stride the rise of the Internet to a great extent, changing the world economic activity in the works and the thoughts and actions of the consumer groups, therefore the current global situation, traditional Banks are facing a business model and the transformation of the service mode of the new stress test, the Internet's influence on its is huge.Keywords: Electric business platform; Electronic banking; Business development1 IntroductionWith the deepening of the business needs of the Banks and the popularity of electronic information technology in the financial sector, intensity of competition in the international within the scope of the financial sector, the traditional management pattern and service of commercial bank faces a bigger challenge, and since the 1990 s, the weak entity economy, electronic commerce and the stride the rise of the Internet to a great extent, changing the world economic activity in the works and the thoughts and actions of the consumer groups, therefore the current global situation, traditional Banks are facing a business model and the transformation of the service mode of the new stress test, the Internet's influence on its is huge. Banks' future gradually more rely on financial products innovation constantly, so the information channel unobstructed and innovation ability strong electronic banking to the deepening of banking reform, development and provide reliable guarantee, the strength of the banking industry in the field of financial and service electronic banking powerfulbecome the most competitive aspects.Electronic banking is initially take root in the U.S., after many years of hard business, the electronic banking business is getting stronger and stronger, earth-shaking changes have taken place. According to statistics, its volume, asset size and number of users to catch up with the traditional bank, is not subject to the constraints of time and space, make electronic banking has strong vitality. And to so far, more and more countries are widely used in electronic business for bank to carry out its business. Electronic banking, the globalization today, the Internet has entered the depth adjustment and transformation of global e-commerce technology rapid growth in emerging economies, at the same time, the international environment of electronic banking crisis, full of a lot of uncertainty. Electronic banking is the most competitive in today's commercial bank accepted mode of operation, in the process of implementation of electronic banking, some Banks in reducing cost, expanding the number of users, improve turnover has really made a big success. In many factors affecting bank survival and development, the electronic banking has become a commercial bank is the key to successful transformation and participate in the future global competition; business model change is inevitable choice.2 The introduction to the theory of electronic bankingThe current global financial situation, the information channel unobstructed and innovation ability strong electronic bank became the general direction of the reform of commercial Banks. Due to the normal operation of electronic banking in stage after its costs will be significantly lower, electronic bank become the most competitive financial institutions in the future the inevitable development trend.2.1 The basic concept of electronic banking businessElectronic banking is based on the e-commerce platform and bank online payment system is the result of financial innovation in the financial services system, is a virtual network and terminal with the combination of complex entity. It fully use of modern information technology, in the form of e-commerce business is dealt with. Simply put: electronic bank group is holding a bank card customer oriented, its main purpose is to provide users with convenient services, is the main way to network, canbe a public network can also be a dedicated network. It using the Internet as well as the combination of various mobile devices to customers and Banks close together, built on the Banks themselves payment system a kind of brand-new service system. Electronic bank in accordance with the business direction can be divided into: using computer for online banking, Internet and mobile banking must have electronic equipment and network these two carriers, was able to ensure that customers in the mobile terminal to related business operations independently. According to the different use object and can be divided into enterprise electronic banking and personal electronic banking.2.2 The characteristics of the electronic banking business2.2.1 Information degree is highThe characteristics of the electronic bank’s biggest competitive advantage are the largest electronic banking on the network information technology in a timely manner. And the traditional Banks mainly artificial counter service as the guidance to handle the business, while also takes advantage of the network information technology, but it is only by using computer network technology deal with internal accounting and data Banks. Electronic banking abandoned the artificial counter service, with a more diverse platform and open environment for users to do the business.2.2.2 Electronic commerce and electronic bank there is a close connectionThe vigorous development of e-commerce in China, making the financial sector needs rapid rise, all kinds of patterns for e-business emerge in endlessly, online shopping become common people's shopping way, the electricity companies find business opportunities, again and again to refresh the sales records, however e-commerce trading platform involves many mainly e-currency payment electronic banking transactions, and greatly promoted the development of the electronic banking. Many commercial Banks are involved in e-commerce, electronic banking is not only an integral part of e-commerce, and the extension of electronic commerce can provide possible for the development of the electronic bank, there is a close relationship of joint and several.Then make more kinds and more personalized banking products and servicespossible. Electronic banking is not only for the customer to accept the products and services, the vast majority of traditional counter and not affected by time, space and the limitation of the service means and so on to provide customers with more variety and more personalized banking products and services, to promote the innovation of financial products. No matter when and where what form electronic banking can provide customers with services, extended class products and service, and to develop a more financial products, personalized trend appeared and developed products, realize the electronic banking "everywhere, there is always ".2.2.3 For more direct and convenient self-serviceThe traditional banking business is often through the counter human face to face, according to provide certificates, passwords, bank account information such as the use of special equipment to complete the services, however, electronic bank and traditional bank a lot of difference between electronic banking can provide numerous customers at the same time more direct and convenient self-service, this is a traditional counter maximum limit. As long as the customer has a mobile phone and other electronic and mobile devices can be connected to the Internet, users can independently using electronic banking electronic information technology needs of business operations or understand related financial products and services. Such as ordinary transfer and balance the query can be quickly done through the electronic banking.3 Risk of electronic banking business3.1Development is not yet mature market environmentElectronic banking development and banking is directly related to the infrastructure construction situation. At present, the electronic banking infrastructure is still in its infancy, there are modern payment system not free, self-help financial terminal penetration is low, the social credit environment problems such as poor, sharing and centralized user information don't lead to different parts of the electronic banking development level is uneven. In addition, the electronic banking as a new field, still lack of perfect safety management system, external conditions for the development of electronic banking have much negative effect.3.2 The user information property safety is the problem that needs to be addressedAt present, the commercial Banks e-banking risk prevention and control system have not been built and its corresponding laws and regulations is not sound, information security is not high, the user name and password are easy to intercept steal, various electronic banking security technology standards also did not form a unified standard, financial regulation is not yet mature, these problems seriously threaten the user's information property safety, brought serious challenges to the bank risk control.3.3 Electronic banking innovation difference between products and servicesIn the age of the electronic banking, based on the network financial technology development of electronic product homogeneity serious, innovative electronic products is also very few, far cannot satisfy the needs of customers. Customer service demand patterns from the past form of the passive to active, make bank product forward to electronic devices, so according to user requirements to carry out the business, not just for electronic banking channel effect, but also according to customer's preferences personalized products and services, it is only by different products and services to attract customers, and develop bank loyal users.3.4 The lack of professional talents, lack of business innovationElectronic banking is based on a large number of skilled Internets and based on the professional talents of financial knowledge, lack of professional talents, however, a large number of workers, and also can not meet the requirements. Electronic banking operation need to upgrade the software development and maintenance, Banks no longer rely on manpower resources of simple enrichment, rely on technological progress and innovation, it's need to hire professional talents, not only to the development of new electronic business, marketing and customer service, maintain and enhance site even regular innovation, guarantee its continuing market competition ability.4 Electronics bank businesses is the inevitable choice4.1 Customer demand for the diversity of banking services and personalizedContinued ascension, along with the social information degree for financialservices, customer demand is more and more individuation and diversification, for today's people, a lot of people have the courage to accept new things, hope to get the bank a more rapid, efficient and convenient services, hope with the help of information technology to improve living standards and quality. It is not difficult to find that the combination of traditional bank and e-banking, to provide users with the self-service bank, the bank on the net and so on comprehensive service interface and service system, comply with the demand of The Times development, meet the diverse requirements of users.4.2 Growing competition between BanksBanking development up to now, the focus of the competition in the market already is no longer the traditional financial products sales, but the customer financial needs analysis, to meet customer differentiation, personalized needs. On the surface, to carry out the electronic banking business is just in order to improve the service level, in fact, the electronic bank to provide diversified, multi-channel, integration of financial services, to improve customer and timely and effective interaction of the bank. With the aid of extensive collection of customer information, search for potential customers, satisfy customer needs, provide the added value of financial products, raise the management level of the bank customer relationship ability. Bank to carry out the electronic banking business, can change the mode of operation of banking to "product-centric" to "the customer as the center". In addition, the rapid development of electronic banking business, reduce the workload of the Banks frontline staff, to make the item for Banks to bring more benefit译文商业银行电子银行业务发展研究Oliveira M摘要银行业务的不断深入及电子信息技术在金融领域的普及，国际范围内金融领域的竞争加剧，商业银行传统经营模式和服务方式面临更大的挑战，并且20 世纪90 年代以来, 实体经济疲软,电子商务和互联网的大跨步兴起在很大程度上改变着世界经济活动的运作方式及消费群体的思想和行为，因此当前全球形势下，传统银行正面临着经营模式和服务方式的变革带来的新的严峻考验，互联网对其的影响更是巨大的。
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外文翻译Analytical Study on Internet Banking System Material Source: / Author:Fahad H.Alshammari1. INTRODUCTIONConsumer behavior is changing partly because of more spare time. The way of use of financial services is characterized by individuality, mobility, independence of place and time, and flexibility. Financial transactions caused by purchases will more and more be carried out by non- and near-banks [1]. These facts represent big challenges for providers of financial services. More and more the Internet is considered to be a "strategic weapon".Financial services companies are using the Internet as a new distribution channel. The goals are: complex products may be offered in an equivalent quality with lower costs to more potential customers;There may be contacts from each place of earth at any time of day or night.This means that financial institutions may enlarge their market area without building new offices or field services,respectively[2]. Because of its image as an innovative corporation, better interacting possibilities, the usage of rationalization potentials, promotion of self-serviced as,the improvement of its competitive situation by development of core competencies together with the construction of market entry barriers, it may be possible to increase profits and market shares.One way of exploiting rationalization potentials is the implementation of the entire transaction (from purchase to payment) under a common user interface. Information collected in operative databases of financial institutions allows them to act as information brokers. Offering special information in closed user groups may result in more intense customer commitment, as well as customer bonding. Know-how that is built up by Internet presence may be used to facilitate Internet presence of smaller companies. The use of digital coin-based money to completely settle transactions in the Internet is a new service provided by financial institutions [4].In the recent years there has been explosion of Internet-based electronic banking applications states that the emergence of new forms of technology has created highly competitive market conditions for bank providers.However, the changed market conditions demand for banks to better understanding of consumers'needs.In [5] stress that the success in Internet banking will be achieved with tailored financial products and services that fulfill customer' wants, preferences and quality expectations. concedes that customer satisfaction is a key to success in Internet banking and banks will use different media to customize products and services to fit customers' specific needs in the future. Suggest that consumer perceptions of transaction security, transaction accuracy, user friendliness, and network speed are the critical factors for success in Internet banking. From this perspective, Internet banking includes many challenges for human computer interaction (HCI).In [6] have remarked that there are at least two major HCI challenges in Internet banking. The first challenge is related to the problem how to increase the number of services of Internet banking and simultaneously guarantee the quality of service for individual customers.The second challenge is related to the problem how to understand customer's needs, translate them into targeted content and present them in a personalized way in usable user interface [7]. Imply that Internet banking research will concentrate more on HCI factors in the future. Recently, emphasize that now is an ideal time for HCI researchers to analyse user satisfaction, because there is growing interest in how to attract and increase the number of online customers in e-business and e-commerce. Stress that HCI researchers should reveal a structure of user satisfaction, determine how to evaluate it and conclude how it is related to the overall user experience of online customers. The concept of electronic banking has been defined in many ways electronic banking is a construct that consists of several distribution channels. Defines electronic banking as the delivery of banks' information and services by banks to customers via different delivery platforms that can be used with different terminal devices such as a personal computer and a mobile phone with browser or desktop software,telephone or digital television [8],[9].2. METHODOLOGY2.1. Functional RequirementGeneral principles of requirements engineering is a distinction between requirements definitions and requirements specifications.A software requirements definition is an abstract description of the services which the system should provide and the constraints under which the system must operate. And requirements definition is probably the most important technique in structured analysis. It is the only technique that permeates every step of the method.It also is one of the least pictorial, making it difficult to describe precisely. In essence, the technique involves capturing what the users really want and making sure that every subsequent project activity leads to the best possible transformation of those user needs into system needs which, when satisfied, will deliver what the users wanted in the first place.CustomerThe valid customer on internet banking has a set of requirements he/she does on internet banking. These requirements are offered on next pointes.LoginA customer to be able to use this system, he/she has to enter username and password which he/she has created before and been saved in the database in the Login page.This function might be a customer or an Admin also.The input in this function most be valid username and valid password and the output if the user is valid user then he/she will get into a page which can makes has/hertransaction, but if the user made wrong in username or password then he/she will be invalid user and will see a message “Alert Invalid Username and Password” and to login again.View AccountThe customer can also view transaction history with retention period up to a maximum of 90 days. Within this feature, the customer can request for account such as “view online, by e-mail or by post option. But the customer most be logged in the internet banking.View account allows to a customer to view today’s up-to the minute information deposit(saving/current),credit card, etc.Transfer FundsThe customer must be logged into Banking System to be able to make his/her transaction for transfer funds.Transfer Funds allows customer to transfer funds between authorized accounts – own personal accounts.Requested transfer take place immediately or at a selected future date specified by customer. The customer can save up to a maximum of 10 accounts and update or delete the account details. All the outstanding future transfers are recorded in a table. The customer can enquire whether there is any funds transfer pending and. when the customer selects the Transfer funds, the system will display Menu to select Transfer Funds function for transfer funds or Transfer History function for display the transaction he/she done.Pay BillsCheque ServicesThe customer most be logged into Banking System.The customer may enquiries cheque status, whether it is paid,unpaid, stopped or returned. It also allows customer to stop cheque payment and to request for a cheque book online.UtilityThe customer most be logged into Banking System. Utility allows customer to change password and the secure delivery contact information. Within this feature, the customer can also change the online profile personal information that is retained by the internet banking system only. And the customer can cancel the ATM facilities.LogoutThe customer most be logged into Banking System. This function is used when a logged in user finishes his/her job and wants to be logged out so that no one can abuse his username. The system will state the user has been logged out successfully.AdministratorAn administrator is that person who makes some editing for the internet banking system like add/cancel customer,check the transactions etc. but this administrator must be valid user. Therefore the administrator must have a username and password. In the project we will not go deep in an administrator because we will focus on the customer and his/her requirements more than the administrator.2.2. Functional Requirement SpecificationRequirements specifications add further information to the requirements definition. Natural language is often used to write requirements specifications. However, a natural language specification is not a particularly good basis for either a design or a contract between customer and system developer.A Functional Requirements Specification describes what is required to meet the users' business needs. Functional requirements specify which actions the design must provide in order to benefit the system's users. Functional requirements are determined by the needs, user, and task analysis of the current system.CustomerWe mention to what the customer needs to do on internet banking system and we are going to go through these needs and how the customer can do it.LoginDefinition: For the users to be able to use this system, they have to enter username and password which they have created before and been saved in thedatabase in the Login page. The user might be a customer or an Admin also.View AccountTransfer FundsDefinition: Transfer Funds allows customer to transfer funds between authorized accounts –own personal accounts. Requested transfer take place immediately or at a selected future date specified by customer.Pay BillsDefinition: The customer selects the Bill Payment unctionality then the system displays Bill Payment Menu, and the customer selects one of four functionalities rom Bill Payment menu.Pay Registered PaymentOpen PaymentPay Registration/Delete Registration BillsBill Payment HistoryIf the customer wants to display his/her payment history just he/she has to click on Bill Payment History, the system will display the transaction he/she done.Pre conditions: The customer must be a valid customer and signed in the system for all these functions.Post conditions: The customer clicks on the logout button or select other functionality for all these functions.Cheque ServicesUtilityLogout2.3. Non-functional RequirementsNon-functional requirements are requirements that are not directly concerned with the specific functions delivered by the system. They may relate to emergent system properties such as reliability, response time and store occupancy. They may specify system performance, security, availability, and other emergent properties. This means that they are often more critical than individual functional requirements. System users can usually find ways to work around a system function that doesn’t really meet their needs. However, failing to meet a non-functional requirement can mean that the whole system is unusable. Non-functional requirements needed in this internet banking system are identified as performance requirements, safety requirements, security requirements and software quality attributes.2.3.1 Performance RequirementsIncrease Customer SatisfactionExpand Product OfferingsReduce Overall Costs2.3.2 Safety RequirementsBackup, recovery & business continuityBanks should ensure adequate back up of data as may be required by their operations. Banks should also have, well documented and tested business continuity plans that address all aspects of the bank’s business.2.3.3 Security RequirementsWe understand that there is nothing more important than knowing that transactions are private and secure.Therefore, we have applied the very latest in technology when creating the Internet Banking security architecture.The best way to understand the security architecture within the Internet Banking is to take it one step at a time.These security features are described briefly below.Account ID and Password (PIN) ProtectionAuto Timeout Screen BlankingSign-off ButtonFailed Log-on AttemptsEncryption3. CONCLUSIONIn this paper, an analytical study for internet banking system has been presented. The banking system should be built within special requirements, since that the functional requirements and its specification has been proposed. The non-functional requirements represent the quality of the system but in internet banking system consider as most important requirements for the system.The security is one of these requirements which is considered as non-functional requirements and in many systems it’s still not achieved. While in internet banking system it considered as one of the main requirements for the system what determine the success or fail of the system. Suggestion for best use for these requirements has Journal of Computing, been proposed in order to identify the requirements and how it is possible to achieve it.网上银行系统分析研究资料来源:/ 作者：法赫德阁下Alshammari 简介消费者行为正在改变，部分原因是更多闲暇的时间。