本论文目的在于描述互联网银行的现状并就其在银行业的应用和监管政策进行探讨。
The purpose of this paper is to describe the current state of Internet banking and to discuss its implications for the banking industry and regulatory policy.
第二章描述了美国互联网银行的前景，其内容主要采用国家货币银行监察署审计办公室的提供的信息。
Section II describes the Internet banking "landscape" in the United States, drawing heavily on information collected by Office of the Comptroller of the Currency (OCC) national bank examiners.
其实，这种虚拟银行的雏形早在1995年就已经在美国出现。 它的名称是“安全第一网络银行”，堪称世界第一家国际互联网银行。
Actually, the rudimentary beginnings of a virtual bank appeared in the US in 1995 as the Security First Network Bank, the world's first Internet bank.
许多奖项，比如基础物理学奖，都是由互联网企业家们的银行账户资助的，这些账户里的资金余额就像电话号码一样长。
Many, like the Fundamental Physics Prize, are funded from the telephone-number-sized bank accounts of Internet entrepreneurs.
许多银行正准备设立网上分行或互联网办事处，这意味着人们将能够通过家庭电脑处理大部分银行业务。
Many banks are preparing online branches or Internet offices, which means that people will be able to take care of much of their banking business through their home computers.
作为一个谨慎的互联网使用者，现在你应该知道你绝不应该点击熟悉的公司或银行发来的邮件内的链接。
As a wary Internet user, you should know by now that you should never click on links inside email from familiar businesses or Banks.
第二天，学习互联网的使用。又没有多少理论的学习，只不过是学习怎样使用电子银行，怎样收发阅读电子邮件，以及怎样在线阅读报纸。
The second day was for Internet, again no theory but just how to do electronic banking, how to send and read E-mail and newspapers on-line.
英格兰银行取而代之地跟踪互联网上搜索指示词的数据，并得出结论，搜索词为“房产经纪人”的迹象很可能预示着未来房价。
Instead, the Bank of England tracks data on Internet searches for telltale terms. It has, for example, found that the trend in searches for "estate agents" can be a predictor of house prices.
互联网出现之前，犯罪者致力于做“大买卖”：他们总是不断寻找单次作案机会，比如，实施一次银行抢劫，就可能会给他们带来巨大的回报。
Until the internet came along, many criminals pursued a “blockbuster” approach: They were always on the lookout for a single heist—say, a bank robbery—that could provide a huge payoff.
网上询证系统可以让审计师在获得客户同意之后，直接通过互联网向银行总部询证。
An online confirmation system would allow auditors, after receiving client permission, to confirm bank balances online from the headquarters database of the Banks.
Google刚刚宣布现在他们可以利用世界银行的公开数据来为“巴西妇女生育率”、“美国互联网用户”等查询问题提供相关图表。
Google just announced that it now USES public data from the World Bank to display graphs for queries like "children per woman in Brazil" or "Internet users in the United States."
其中，只有200-300万人能通过传统互联网登录网上银行进行转账。
Of these, only 2 or 3 million have traditional internet access that would allow them to log in to their bank account online to transfer money.
英国伦敦(CNN)——你可以在互联网上管理你的银行账号和社交网络，很快你将可以在线管理并跟踪你的电能的消费。
LONDON, England (CNN) — you can manage your bank balance and social life on the Internet and very soon you will be able to manage your electricity consumption online.
她认为病人会吵着要获得有关个人健康的更多信息，就像银行的客户用互联网作为跟踪其帐户的手段一样，越多越好。
She believes patients will clamour for more data about their health, much as Banks' customers embraced the Internet as a means of keeping better track of their accounts.
“家乡现在已经有水，有电，有高速公路，甚至有了互联网”，投资银行CICC的哈纪明说。
"' Home 'now has running water, electricity, highways, even Internet access," says ha Jiming of CICC, an investment bank.
拦截钓鱼网站：所谓“钓鱼”是指一种互联网犯罪行为。 比如你收到一封假冒的银行电子邮件，说你的帐号出了问题。
PHISHING PROTECTION Phishing is the Internet scheme where you get a fake e-mail note from your bank about a problem with your account.
互联网泡沫以后当负债累累的电信公司苦苦求饶，银行几乎没有任何办法来保障他们自己。
After the dotcom boom, when heavily indebted telecoms firms were on their knees, Banks had almost no way to hedge themselves.
但是，我们每天都运用到了这些技术，无论是当我们在使用网上银行，在线购物或者连接上互联网进行工作的时候。
However, we all use this technology every day, whenever we bank online, shop online, or connect to work over the Internet.
今天，我们可能都在谈论高盛，但是我们也可以谈论在互联网泡沫破裂后，2002年的花旗银行和美林证券。
We could be talking about Goldman Sachs today. But we could also be talking about Citigroup or Merrill Lynch in 2002, after the tech bubble burst.
银行拒绝发放小额贷款，因为毫无利润可言。而通过互联网或高利贷者的地下贷款又令人提心吊胆。
Banks refuse to make small loans because there is no money in it, and completely unregulated lending, via the Internet or loan sharks, is too alarming.
当我们通过互联网使银行的远近距离变得无关紧要的时候，我们真的还需要遍布全国的成千上万的银行及其分支机构吗？
Do we really need thousands of Banks and bank branches spread around the country when we have the Internet to make distance of Banks irrelevant?
投资银行“野村国际”（Nomura International）的分析师理查德•温莎（Richard Windsor）说，“从跟本上说，思科的长期目标是成为互联网界的微软。”
“Their long-term strategy is essentially to become the Microsoft of the internet,” says Richard Windsor, an analyst at Nomura International, an investment bank.
互联网货币基金提供的年收益率约为6%，几乎是一年期银行存款平均利率的两倍。
Internet money funds offer yields of around 6 per cent per year, almost twice the average interest paid on a one-year bank deposit.
比如，利用计算机在互联网上进行银行交易，对银行业来说每笔花费几分钱，而传统方法就会要花费数美元。
Taking banking over the internet by computer for example, it will cost the banking industry a few cents per transaction, but several dollars for traditional method.
我认为，银行业的特质决定着它与互联网络有着天然的联姻，因而基于网络技术的银行业网络经济也随之孕育而生。
I think, the particularity of banking decides it has a natural relationship with Internet, so the banking Internet economy is brought bases on the Internet technology by it.
我认为，银行业的特质决定着它与互联网络有着天然的联姻，因而基于网络技术的银行业网络经济也随之孕育而生。
I think, the particularity of banking decides it has a natural relationship with Internet, so the banking Internet economy is brought bases on the Internet technology by it.
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