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中文摘要：
阐述了中国网上银行发展中存在的问题，结合产品整体概念剖析网上银行产品及其特性，利用Logit模型实证分析用户在网上银行渠道间偏好及模式间选择，提出银企直联、国际化、内控化、产品创新化等网上银行发展的重要模式。
英文摘要：
The article begins with an examination of some problems that arise in the course of the development of internet banking in China, and then analyses imernet banking as a modern financial product in the light of whole product conception. Furthermore, adopting the logit model, the article makes an empirical study of consumers＇ preference for internet banking, their choice of the mode of internet banking, and the perceived congruence between the distribution method and internet banking. Finally, some major modes of development for internet banking are proposed, such as host-to-host mode, intemationalization, internal management and operation innovation.
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