我国网上银行风险管理研究

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我国网上银行风险管理研究

金融系 金融1007班 李晓坤 陈 明 2014年 03 月 15 日

内容摘要

随着信息技术革命的不断深入，推动了以互联网为基础的网络经济的蓬勃发展。新经济时代的到来、信息的开放和共享，带来了一种全新的经济模式，在这种全新的模式下，整个金融领域的竞争态势发生了极大的变化，以网络为核心的信息技术革命，使网络银行成为网络时代全球银行业发展的必然选择。网络银行，可以实现金融服务的便捷性和不受时间空间限制提供银行服务，为银行业的发展提供了广阔的空间。网络银行作为21世纪金融业的主导模式，已成为金融领域的热点话题。与传统银行相比，其具有独特的优势。与此同时，网络银行的全面发展也使我们面临着不同于传统银行的金融风险。因此，如何防范和化解网络银行的风险也日益被金融业所关注。本文从分析网络银行面临的风险入手，进一步探讨了在新环境下网络银行的风险监管和控制措施。

关键词： 网络银行；风险；监管措施

Abstract

With the deepening of the information technology revolution, and promote the vigorous development of Internet-based network economy. Arrival of the new economic era, openness and sharing of information, brought a new economic model, in this new model, great changes in the competitive situation in the financial sector took place in the network at the core of IT revolution, online banking has become an inevitable choice for the development of the global banking network era. Internet banking, financial services can be implemented easily and without limitations of time and space to provide banking services for the development of the banking sector has provided a broad space. As the 21st century Internet banking financial sector led model, has become a hot topic in the financial sector. Compared with traditional banks, which has a unique advantage. At the same time, the overall development of the bank's network also enables us different from traditional banks facing financial risks. So, how to prevent and resolve risk Internet banking is increasingly concerned by the financial industry. This paper analyzes the network banks face the risk of starting further explored in the new regulatory environment and risk control measures for online banking.

Keywords: Internet banking；Risk；Regulatory measures

目 录

一、国内外研究现状 .................................................................................... 1

（一）国外研究现状 ........................................................................ 1 （二）国内研究现状 ........................................................................ 1 二、我国网络银行的现状 ........................................................................... 2 三、网络银行的风险 ................................................................................... 5

（一）信用风险 ................................................................................ 6 （三）投资战略风险 ........................................................................ 7 （四）操作风险 ................................................................................ 8 （五）市场信息风险 ........................................................................ 8 （六）系统安全风险 ........................................................................ 9 （七）网络银行监管风险 .............................................................. 11 四、网络银行风险的形成原因 ................................................................. 11

（一）相关法律框架不完善 .......................................................... 11 （二）内部机构设置不协调 .......................................................... 11 （三）网上银行技术支持落后 ...................................................... 12 （四）网上银行监督不力 .............................................................. 12 （五）客户操作风险意识淡簿 ...................................................... 12

五、网络银行的监管措施 ......................................................................... 13

(一)完善相关网上银行法律 ......................................................... 13 （二）完善内部机构 ...................................................................... 14 （三）加快发展网上银行技术 ...................................................... 16

（四）完善网上银行监督 .............................................................. 17 （五）提高网银用户的安全意识 .................................................. 17 六、结论 ..................................................................................................... 17

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