我国网络银行风险监管分析及策略的研究

发布时间：2018-06-22 09:28

本文选题：风险分析 + 风险监管　；参考：《上海外国语大学》2012年硕士论文

【摘要】：伴随着信息网络技术的迅猛发展和全球经济一体化的到来,世界上许多国家的银行业都在进行改革和创新,不断的创新使得网络技术逐渐和银行业务相结合,日益成为了世界各国增强市场竞争力的关键力量。在这种情况下,网络银行—一种基于网络信息平台的新型银行服务业务逐渐产生了,网络银行使得银行业务不再局限于人与人之间面对面的交易,同时,打破了地域和时空的限制,以其快捷高速的优势实现了全天候的实时服务。但是网络银行同时具有了网络虚拟化的特性,很容易导致风险的发生,使得银行系统面临着更加严峻的挑战和困难。基于上述背景,本文在借鉴了国外网络银行监管经验的基础上,对我国网络银行的风险监管现状进行了详细的分析,提出了构建适合我国国情和网络银行发展的网络银行风险监管模式。本文第一部分是绪论,对本文的选题背景与目的、研究结构与方法以及全文的内容与观点进行了简要概述,提出了我国网络银行风险分析及监管模式的研究的现状和研究意义。第二部分为我国网络银行以及网络银行风险的相关概念,主要介绍了网络银行的内涵、网络银行风险的涵义、特征、成因、特点,并对网络银行风险进行了分析。第三部分为我国网络银行的风险监管现状分析,主要包括网络银行风险监管的理论依据、我国网络银行监管的现状、我国网络银行风险监管面临的主要问题。为论文的后续工作奠定了基础。第四部分为我国网络银行风险监管的模式构建,是本文的重点,在对网络银行模式的概念、以及前文所分析的网络银行面临的风险问题、特点以及对我国网络银行监管现状的分析基础上,根据我国网上银行的实际情况,构建我国网络银行的风险监管体系,在宏观、中观、围观层面上分析了我国应当建立的网络银行监管体系,并为案例分析做理论依据。第五部分是本文的案例分析部分,通过从“四位一体”的角度对工商银行的监督管理制度进行分析,最终总结出工商银行网络监管的先进策略与措施,为本文第六部分结论提供科学的论据。第六部分是本文的结论部分,对全文进行总结并得出结论,充分认识到网络银行的风险监管是一个系统的工程,需要大量的后续研究工作,需要不断的进行探索和创新。
[Abstract]:With the rapid development of information network technology and the arrival of global economic integration, the banking industry of many countries in the world are carrying on the reform and innovation, the continuous innovation makes the network technology gradually combine with the banking business. Increasingly has become the world countries to enhance the market competitiveness of the key forces. In this case, network banking, a new type of banking service based on network information platform, has gradually come into being. The network banking business is no longer confined to face transactions between people, and at the same time, It breaks the limitation of region and time, and realizes the real-time service all-weather with the advantage of high speed and speed. But the network bank has the characteristic of network virtualization at the same time, it is easy to lead to the occurrence of risk, which makes the banking system face more severe challenges and difficulties. Based on the above background, this paper makes a detailed analysis of the current situation of risk supervision of China's network banks on the basis of drawing lessons from the experience of foreign network banking supervision. This paper puts forward the risk supervision mode of network bank suitable for our country's national conditions and the development of network bank. The first part of this paper is the introduction, the background and purpose of this paper, the research structure and method, the content and viewpoint of the full text are briefly summarized, and the present situation and significance of the research on the risk analysis and supervision mode of our country's network bank are put forward. The second part is the related concepts of the network bank and the network bank risk in our country. It mainly introduces the connotation of the network bank, the meaning, the characteristic, the cause of formation, the characteristic of the network bank risk, and analyzes the network bank risk. The third part is the analysis of the present situation of the risk supervision of the network bank in our country, including the theoretical basis of the supervision of the risk of the network bank, the present situation of the supervision of the network bank in our country, and the main problems that the risk supervision of the network bank of our country faces. It lays a foundation for the follow-up work of the thesis. The fourth part is the construction of the risk supervision model of the network bank in our country, which is the focus of this paper, in the concept of the network bank model, and the risk problems faced by the network bank, On the basis of the analysis of the present situation of the supervision of the network bank in our country, and according to the actual situation of the network bank in our country, we construct the risk supervision system of the network bank of our country. This paper analyzes the supervision system of network bank in our country on the view of view, and makes the theoretical basis for the case analysis. The fifth part is the case analysis part of this paper, through the analysis of the supervision and management system of ICBC from the perspective of "four in one", finally summarizes the advanced strategies and measures of ICBC network supervision. Provide the scientific argument for the conclusion of the sixth part of this paper. The sixth part is the conclusion of this paper, the full text of the summary and conclusions, fully recognized that the risk supervision of network banks is a systematic project, need a large number of follow-up research work, need to continue to explore and innovation.
【学位授予单位】：上海外国语大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【参考文献】