银行服务体系是我国金融体系的核心。当今,各大银行体系正积极改革,将重心越来越偏向互联网金融业务,城乡银行业发展的差距也进一步地被扩大。基于此,本文的主要研究目标就是在网络金融理论的基础上,针对我国网上银行面临的实际问题,并结合相应的统计资料,深入分析我国网络金融业在农村地区的发展前景,行之有效地提出若干促进我国网上银行,尤其是在农村地区的网上银行的发展的建议。 Bank service system is the core of China’s financial system. Today, the major banking systems are actively reforming their businesses and focusing more and more on the Internet finance business. The gap between urban and rural banking is also being further widened. Based on this, the main research goal of this paper is based on the theory of internet finance, in view of the actual problems faced by online banking in our country, combined with the corresponding statistical data, in-depth analysis of the development prospects of online financial industry in rural areas in China, effectively Proposed a number of proposals to promote the development of China’s online banking, especially in rural areas.