实施有效策略降低网上银行对电子商务的负面影响

国内的网上银行是原有的传统银行利用Internet开展网上金融业务的一种分支型的、新型的、虚拟的银行。由于网上银行的设立条件、经营环境和支付过程等方面存在着许多问题，导致在电子商务的完全方式、B2C模式、经济纠纷和刑事犯罪等方面产生较多的负面影响，严重地阻碍了电子商务的发展步伐。因而，要实施规模扩大化、技术本地化、法律完善化和经营规范化等有效策略降低网上银行对电子商务的负面影响，完善网上银行加快电子商务的发展。

Reducing Unfavourable Influence of Internet Bank on E-Commerce by Implementing Effective Tactics

Internet banks in our country refer to a new kind of branch and virtual type banks founding by traditional banks for financing on the Internet. Owing to the existence of problems concerning founding conditions and operating environment and payment process of internet banks, such unfavourable influences as full way B2C mode, economic dispute and penal crime of E-Commerce are ensued. These seriously impede the development of E-Commerce. Consequently, effective tactics such as enlarge the scale, use domestic technique, perfect the law concerned and standardize the management, must be implemented. By reducing these unfavourable influences, the Internet banks will be perfected and the development of E-Commerce will be quickened.