网上银行风险分担的法经济学分析

发布时间：2018-03-12 13:13

本文选题：网上银行　切入点：风险分担　出处：《山东经济学院》2010年硕士论文　论文类型：学位论文

【摘要】： 近年来,网上银行取得了突飞猛进的发展,这种银行服务以计算机网络技术为手段依托,具有方便快捷、成本低廉的特点,因此已被世界各国普遍公认为银行业未来的发展方向。但因为网上银行还是一种基于技术和服务革新产生的新生事物,它的迅猛发展伴随着许多风险的出现,这些风险不仅影响着网上银行的进一步发展,也影响到银行业稳健运行。而目前我国相关法律制度尚待建立健全,一些由此产生的法律问题亟待解决。因此,我们必须深入研究网上银行的风险,建立并完善网上银行的风险预防和分担机制,促进我国网上银行健康有序地高速发展。本文在这一背景下,考察并借鉴了对网上银行风险分担法律制度建立较为成熟完善的国家和地区的先进经验,采用法律制度和法经济学等不同视角该课题做出一些探讨。从法律制度的角度,本文主要分析了网上银行业务的主体、风险的规则原则和承担方式。而从法经济学的角度,本文使用规范分析的研究范式,根据法经济学中的理性假设和货币理论、虚拟资本理论、成本效益理论、供求理论、交易费用理论,尝试运用卡尔多——希克斯效率标准、博弈论等方法对网上银行风险的成因、特点、主体关系、控制途径等进行分析,并在此基础上就如何发现风险,并及时加以防范与责任分配,如何构建法律制度进行了分析和探索。
[Abstract]:In recent years, Internet banking has made rapid development. This kind of banking service is based on computer network technology and has the characteristics of convenience and low cost. Therefore, it has been universally recognized as the future development direction of the banking industry in the world. However, because online banking is still a new thing based on technology and service innovation, its rapid development is accompanied by the emergence of many risks. These risks not only affect the further development of online banking, but also affect the steady operation of the banking industry. At present, the relevant legal system of our country needs to be established and perfected, and some legal problems arising therefrom need to be solved urgently. We must deeply study the risks of online banking, establish and improve the risk prevention and sharing mechanism of online banking, and promote the healthy and orderly rapid development of Internet banking in China. Under this background, this paper investigates and draws lessons from the advanced experiences of countries and regions that have established a more mature and perfect legal system of risk sharing in online banking. From the point of view of legal system, this paper mainly analyzes the subject of online banking business, the principle of the rules of risk and the way of undertaking, and from the point of view of law and economics, this paper makes some discussions on the subject from different angles of legal system and law and economics. Based on the rational hypothesis and monetary theory, virtual capital theory, cost-benefit theory, supply and demand theory, transaction cost theory, this paper tries to use the Caldo-Hicks efficiency standard. On the basis of the analysis of the causes, characteristics, main body relations, control ways and so on of the risk of online banking by game theory, and on the basis of it, how to find the risk, and how to prevent and distribute the responsibility in time, is discussed. How to construct the legal system is analyzed and explored.
【学位授予单位】：山东经济学院
【学位级别】：硕士
【学位授予年份】：2010
【分类号】：D90-05

【引证文献】