【正文】 電子支付結(jié)算課程報(bào)告課程名稱: 網(wǎng)上電子支付結(jié)算項(xiàng)目名稱：招商銀行與建設(shè)銀行對比報(bào)告學(xué)院(直屬系): 經(jīng)濟(jì)與貿(mào)易學(xué)院年級/專業(yè)/班: 10級電子商務(wù)（3）班小組成員: 王小莉332010110209009鄒惠玲332010110209018任課教師: 高 慶 成目錄一.銀行概述........................................................................................................................................................ 41．1中國建設(shè)銀行.......................................................................................................................................... 4招商銀行..................................................................................................................................................... 4二.電子銀行介紹................................................................................................................................................ 5中國建設(shè)銀行.............................................................................................................................................. 5個(gè)人網(wǎng)上銀行............................................................................................................................. 5企業(yè)網(wǎng)上銀行............................................................................................................................. 9電話銀行:.................................................................................................................................. 11招商銀行................................................................................................................................................... 12網(wǎng)上個(gè)人銀行........................................................................................................................... 12網(wǎng)上企業(yè)銀行........................................................................................................................... 13電話銀行................................................................................................................................... 14三.網(wǎng)上銀行經(jīng)營模式（系統(tǒng)交易流程）...................................................................................................... 14建設(shè)銀行網(wǎng)上銀行經(jīng)營模式：e路通.................................................................................................... 14招商銀行網(wǎng)上銀行經(jīng)營模式：一卡通................................................................................................. 15四.網(wǎng)上銀行特色.............................................................................................................................................. 15建設(shè)銀行網(wǎng)上銀行特色........................................................................................................................... 15招商銀行網(wǎng)上銀行特色........................................................................................................................... 16五．網(wǎng)上銀行存在的問題及建議................................................................................................................... 16招商銀行網(wǎng)絡(luò)銀行存在的問題............................................................................................................... 16安全問題................................................................................................................................... 16法律問題................................................................................................................................... 17監(jiān)管問題................................................................................................................................... 17社會信用環(huán)境問題................................................................................................................... 17規(guī)劃問題................................................................................................................................... 17業(yè)務(wù)品種單一,客戶對網(wǎng)絡(luò)銀行缺少依賴性.......................................................................... 17招商銀行網(wǎng)絡(luò)銀行發(fā)展對策................................................................................................................... 17加強(qiáng)網(wǎng)上支付安全。............................................................................................................... 17強(qiáng)化網(wǎng)絡(luò)銀行立法和監(jiān)管....................................................................................................... 18加強(qiáng)社會信用體系建設(shè)......................................................................................................... 18規(guī)劃發(fā)展策略........................................................................................................................... 18加大網(wǎng)絡(luò)銀行業(yè)務(wù)營銷力度和創(chuàng)新力度............................................................................... 18加強(qiáng)與外資金融服務(wù)公司的合作........................................................................................... 18進(jìn)行網(wǎng)絡(luò)創(chuàng)新,發(fā)展網(wǎng)上銀行業(yè)務(wù).......................................................................................... 19中國建設(shè)銀行網(wǎng)上銀行存在的問題....................................................................................................... 19網(wǎng)上銀行發(fā)展中存在的問題................................................................................................... 19網(wǎng)上銀行客戶發(fā)展中存在的問題........................................................................................... 19網(wǎng)上銀行品牌發(fā)展中存在的問題........................................................................................... 19網(wǎng)上銀行營銷策略存在的問題............................................................................................... 20建設(shè)銀行網(wǎng)上銀行發(fā)展策略...........................................