本文選題：網(wǎng)上銀行　切入點：風險分擔　出處：《山東經(jīng)濟學院》2010年碩士論文　論文類型：學位論文

【摘要】： 近年來,網(wǎng)上銀行取得了突飛猛進的發(fā)展,這種銀行服務(wù)以計算機網(wǎng)絡(luò)技術(shù)為手段依托,具有方便快捷、成本低廉的特點,因此已被世界各國普遍公認為銀行業(yè)未來的發(fā)展方向。但因為網(wǎng)上銀行還是一種基于技術(shù)和服務(wù)革新產(chǎn)生的新生事物,它的迅猛發(fā)展伴隨著許多風險的出現(xiàn),這些風險不僅影響著網(wǎng)上銀行的進一步發(fā)展,也影響到銀行業(yè)穩(wěn)健運行。而目前我國相關(guān)法律制度尚待建立健全,一些由此產(chǎn)生的法律問題亟待解決。因此,我們必須深入研究網(wǎng)上銀行的風險,建立并完善網(wǎng)上銀行的風險預防和分擔機制,促進我國網(wǎng)上銀行健康有序地高速發(fā)展。 本文在這一背景下,考察并借鑒了對網(wǎng)上銀行風險分擔法律制度建立較為成熟完善的國家和地區(qū)的先進經(jīng)驗,采用法律制度和法經(jīng)濟學等不同視角該課題做出一些探討。從法律制度的角度,本文主要分析了網(wǎng)上銀行業(yè)務(wù)的主體、風險的規(guī)則原則和承擔方式。而從法經(jīng)濟學的角度,本文使用規(guī)范分析的研究范式,根據(jù)法經(jīng)濟學中的理性假設(shè)和貨幣理論、虛擬資本理論、成本效益理論、供求理論、交易費用理論,嘗試運用卡爾多——�？怂剐蕵藴省⒉┺恼摰确椒▽W(wǎng)上銀行風險的成因、特點、主體關(guān)系、控制途徑等進行分析,并在此基礎(chǔ)上就如何發(fā)現(xiàn)風險,并及時加以防范與責任分配,如何構(gòu)建法律制度進行了分析和探索。
[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.
【學位授予單位】：山東經(jīng)濟學院
【學位級別】：碩士
【學位授予年份】：2010
【分類號】：D90-05

【引證文獻】

相關(guān)碩士學位論文 前2條

1 王鑫蕊;論我國網(wǎng)上銀行風險監(jiān)管制度的完善[D];中國政法大學;2011年

2 解洹;網(wǎng)上銀行監(jiān)管法律問題研究[D];山西大學;2012年

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本文編號：1601706