摘要：随着金融产业信息化的推进，柜面银行作为传统服务项目正在受到电子银行的猛烈冲击，电子银行已然成为本世纪以至未来的发展趋势，随着人们生活水平的不断提高，生活节奏的不断加快，在金融消费中，人们日益追求更加便捷的方式与服务。在国内外金融产业信息化快速发展的大背景下，本文对民生的电子银行进行了系统性的研究，着重探讨制约民生电子银行发展的相关因素，并有针对性的为民生电子银行的发展提供了一系列建议，以求在现有基础上，找出改善点以及抢占市场的优势，促进民生银行电子银行业务的发展，增强其竞争力并提升盈利能力。

关键词：金融产业信息化 电子银行 影响因素 竞争力

Abstract：With the advance of financial industry, as a traditional service, counter of Bank is under impact of electronic bank. Electronic bank is the future trend of development in the twenty-first Century. With the continuous improvement of living standards, the pace of life continues to increase and convenient service is increasingly pursued by people. In the background of domestic and foreign conditions, this article does systematic research on the electronic banking of Minsheng Bank and it discusses what the factors are restricting Minsheng Bank. It provides a useful reference for the bank in order to promote the development of electronic banking business, enhance competitiveness and improve the income of the bank. In the original basis, we find out the breakthrough point to occupy the market. We figure out the disadvantages and advantages to foster strengths and circumvent weaknesses in the future development of the road.

Key words：financial-informatization e-bank influence-factor competitiveness