我国网上银行风险及有效控制研究

发布时间：2019-01-14 10:29

【摘要】：近年来随着各领域办公自动化进程的推进以及电子商务的普及，网上银行己经是银行向客户提供金融服务的重要的渠道，在某些业务领域甚至已经成为了人们交易的主渠道。网上银行让人们享受到网络技术带来方便的同时也使人们面临巨大的风险。网上银行是在传统银行的基础上发展起来的，但是网上银行与传统银行在运行机制、操作平台上又大不相同，所以它除了会面临传统银行通常所遇到的风险外，还会遇到因为其交易虚拟化等特点产生的特有的风险；此外，即使某些风险类别与传统银行相同，但是在网络虚拟的交易平台下也会有其自身的特性。由于安全是网上银行健康发展的生命线，所以在网上银行面临众多风险的情况下，必须要重视和加强其风险的有效控制，保证网上银行业务健康、持续，稳定的发展。首先，本文对网上银行产生的背景、定义、运作模式及其风险的种类、管理方法进行了描述。其次，在其理论的基础上对我国网上银行风险控制进行了现实性的分析，一是通过模糊层次分析方法分析网上银行所面临的风险权重，从而得出网上银行风险控制的重点风险是操作风险、战略风险、信誉风险、法律风险、安全风险和技术风险，二是结合我国网上银行发展的状况及其风险控制的现状分析了我国网上银行风险控制过程中存在的问题。再者，通过比较分析法比较了欧洲、亚洲和北美地区网上银行风险控制方面的监控模式、立法模式和法律实施等情况，结合我国网上银行风险控制方面存在的问题探寻更适合当前我国网上银行风险控制的途径和方法。最后运用归纳分析法、演绎推理法和比较分析法，在借鉴国内外各地区网上银行风险控制经验的基础上，从内部和外部两方面提出了改进和完善我国网上银行风险控制的措施和建议。
[Abstract]:In recent years, with the advancement of office automation in various fields and the popularization of electronic commerce, online banking has become an important channel for banks to provide financial services to customers, and has even become the main channel for people to trade in some business fields. Online banking allows people to enjoy the convenience of network technology, but also makes people face huge risks. Internet banking is developed on the basis of traditional banks, but it is very different from traditional banks in operating mechanism and operating platform, so it will face the risks usually encountered by traditional banks. They will also encounter unique risks arising from such characteristics as the virtualization of their transactions; In addition, even if some risk categories are the same as traditional banks, they also have their own characteristics under the virtual trading platform. Since security is the lifeline of the healthy development of Internet banking, it is necessary to attach importance to and strengthen the effective control of its risks in the face of many risks, so as to ensure the healthy, sustainable and stable development of online banking business. First of all, this paper describes the background, definition, operation mode, risk types and management methods of online banking. Secondly, on the basis of its theory, the paper makes a realistic analysis on the risk control of our country's online bank. Firstly, it analyzes the risk weight of the online bank by using the method of fuzzy analytic hierarchy process (FAHP). Thus, the key risks of risk control in online banking are operational risk, strategic risk, credit risk, legal risk, security risk and technical risk. The second is to analyze the problems existing in the process of risk control of China's online banking in combination with the status quo of the development and risk control of China's online banking. Furthermore, through comparative analysis, this paper compares the monitoring mode, legislative model and legal implementation of online banking risk control in Europe, Asia and North America. Combined with the existing problems in the risk control of online banking in China, this paper explores the approaches and methods that are more suitable for the risk control of online banking in our country at present. Finally, using inductive analysis method, deductive reasoning method and comparative analysis method, on the basis of drawing lessons from the experience of domestic and foreign online banking risk control, This paper puts forward some measures and suggestions to improve and perfect the risk control of online banking in China from both internal and external aspects.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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