我国网络银行监管研究
发布时间：2018-08-22 15:34
【摘要】：以计算机为基础的信息技术革命以及国际互联网的广泛使用与发展，对金融领域产生了划时代的影响，诞生了20世纪银行业最具震撼力的创新—网络银行。网络银行通过网络把眼光瞄向全球，把世界上每个公民都作为自己潜在的客户去争取，使金融竞争突破国家界限，成为全球性竞争。网络银行从经营方式和管理理念上对传统银行业产生了巨大的冲击，也对传统的银行监管带来了巨大的挑战。 对我国来说，其自身的管理模式和风险管理能力尚存在着大量缺陷，网络银行的快速发展无疑对我国银行业来说是一个严峻的挑战。网络银行风险特性可使中国银行机构的风险管理能力因为信息安全技术的专业化和复杂性进一步降低，而金融监管当局如果不能及时调整对网络银行的监管方式和监管内容将威胁到金融体系的稳健运行。基于此，本文从网络银行监管理论分析出发，对我国网络银行所面临的风险状况，我国对网络银行进行监管的难点进行探讨。笔者通过对网络银行监管理论进行研究，介绍了网络银行的产生以及对应的银行监管原理和巴塞尔银行监管委员会对网络银行风险控制的规定。对我国网络银行监管所面临的法律、信息安全、业务发展、监管体制、和监管人才等困难做了详尽的分析；借鉴国际上相对成熟的美国、欧洲(代表国：英国)和中国香港地区对网络银行的监管经验，通过总结其监管体制和主要特征，得到对我国网络银行进行有效监管的启示；进一步构建与我国网络银行发展相匹配的有效监管体系，从调整监管体制、确认监管主体、完善监管方式和内容入手，分析网络银行风险内涵。重点通过定量与定性相结合的方法，，对网络银行风险进行控制。并在建立有效监管模型基础上指出我国金融监管当局对发展网络银行监管需要通过技术、制度和管理三个层面采取对策，以保证我国网络银行健康、稳健的发展。
[Abstract]:The revolution of information technology based on computer and the extensive use and development of the Internet have made an epoch-making impact on the financial field, and the most powerful innovation of the banking industry in the 20th century, the network bank, was born. Through the network, the network bank aims at the whole world, regards every citizen in the world as its potential customer, and makes the financial competition break through the national boundary and become the global competition. The network bank has had a huge impact on the traditional banking industry in terms of management mode and management concept, and has also brought enormous challenges to the traditional banking supervision. To our country, its own management mode and risk management ability still have a lot of defects, the rapid development of network bank is undoubtedly a severe challenge to our banking industry. Because of the specialization and complexity of information security technology, the risk management ability of Chinese banking institutions can be further reduced by the risk characteristics of Internet banking. If the financial supervision authority can not adjust the supervision mode and content of the network bank in time, it will threaten the steady operation of the financial system. Based on this, this paper starts from the theoretical analysis of the supervision of the network bank, discusses the risk situation faced by the network bank in our country, and discusses the difficulties of the supervision of the network bank in our country. Through the research on the supervision theory of network bank, the author introduces the emergence of network bank, the corresponding principle of bank supervision and the regulation of risk control of network bank by Basel Committee on Banking Supervision. This paper makes a detailed analysis of the legal, information security, business development, regulatory system, and regulatory personnel difficulties faced by the supervision of our country's network banking; and draws lessons from the relatively mature United States in the world. The experiences of the supervision of internet banks in Europe (representative country: UK) and Hong Kong, China, are summarized by summarizing their supervisory system and main characteristics, and the enlightenment of effective supervision of China's network banks is obtained. In order to construct an effective supervision system matching with the development of our country's network bank, this paper analyzes the connotation of the risk of network bank by adjusting the supervision system, confirming the main body of supervision, perfecting the way and content of supervision. Focus on the combination of quantitative and qualitative methods, network banking risk control. On the basis of establishing an effective supervision model, it is pointed out that the financial supervision authorities of our country need to take countermeasures at the technical, institutional and management levels to ensure the healthy and steady development of China's network banks.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2005
【分类号】：F832.1
[Abstract]:The revolution of information technology based on computer and the extensive use and development of the Internet have made an epoch-making impact on the financial field, and the most powerful innovation of the banking industry in the 20th century, the network bank, was born. Through the network, the network bank aims at the whole world, regards every citizen in the world as its potential customer, and makes the financial competition break through the national boundary and become the global competition. The network bank has had a huge impact on the traditional banking industry in terms of management mode and management concept, and has also brought enormous challenges to the traditional banking supervision. To our country, its own management mode and risk management ability still have a lot of defects, the rapid development of network bank is undoubtedly a severe challenge to our banking industry. Because of the specialization and complexity of information security technology, the risk management ability of Chinese banking institutions can be further reduced by the risk characteristics of Internet banking. If the financial supervision authority can not adjust the supervision mode and content of the network bank in time, it will threaten the steady operation of the financial system. Based on this, this paper starts from the theoretical analysis of the supervision of the network bank, discusses the risk situation faced by the network bank in our country, and discusses the difficulties of the supervision of the network bank in our country. Through the research on the supervision theory of network bank, the author introduces the emergence of network bank, the corresponding principle of bank supervision and the regulation of risk control of network bank by Basel Committee on Banking Supervision. This paper makes a detailed analysis of the legal, information security, business development, regulatory system, and regulatory personnel difficulties faced by the supervision of our country's network banking; and draws lessons from the relatively mature United States in the world. The experiences of the supervision of internet banks in Europe (representative country: UK) and Hong Kong, China, are summarized by summarizing their supervisory system and main characteristics, and the enlightenment of effective supervision of China's network banks is obtained. In order to construct an effective supervision system matching with the development of our country's network bank, this paper analyzes the connotation of the risk of network bank by adjusting the supervision system, confirming the main body of supervision, perfecting the way and content of supervision. Focus on the combination of quantitative and qualitative methods, network banking risk control. On the basis of establishing an effective supervision model, it is pointed out that the financial supervision authorities of our country need to take countermeasures at the technical, institutional and management levels to ensure the healthy and steady development of China's network banks.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2005
【分类号】：F832.1
【引证文献】
相关博士学位论文 前1条
1 王远均;网络银行管理体制及监督制度建设研究[D];西南财经大学;2007年
相关硕士学位论文 前1条
1 余t
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