网上银行前景

The overall situation        整體發展情況The situation in Hong Kong        香港的發展情況The HKMA’s regulatory approach        金管局採取的監管方法Conclusions        結論
Is it really the “Age of the Internet”? (1)
我們是否真的已進入“互聯網年代”? (1)
A year ago many people (including me) believed that the internet would revolutionize banking        一年前，許多人(包括我在內)都認為互聯網會令銀行業出現革命性轉變The mood is now much more realistic and indeed pessimistic        當前的市場氣氛已變得比較實事求是，甚至是悲觀