本文選題：網(wǎng)絡(luò)銀行 + 商業(yè)銀行　； 參考：《甘肅社會(huì)科學(xué)》2017年06期

【摘要】：網(wǎng)絡(luò)銀行具有傳統(tǒng)商業(yè)銀行所沒有的低成本、高效率和服務(wù)個(gè)性化等特點(diǎn),其不僅決定了網(wǎng)絡(luò)銀行具有傳統(tǒng)商業(yè)銀行不可比擬的優(yōu)勢,而且也導(dǎo)致了與此相伴隨的諸多運(yùn)行風(fēng)險(xiǎn),包括信用風(fēng)險(xiǎn)、市場準(zhǔn)入過于嚴(yán)苛的風(fēng)險(xiǎn)、安全法律缺位的風(fēng)險(xiǎn),以及行政監(jiān)管職能手段落后等風(fēng)險(xiǎn)。這些風(fēng)險(xiǎn)的存在,不僅直接導(dǎo)致網(wǎng)絡(luò)銀行及其顧客合法權(quán)益不能得到有效保障,而且對其健康發(fā)展有著非常嚴(yán)重的危害。因此,可以從依托大數(shù)據(jù)技術(shù)建立統(tǒng)一的征信記錄數(shù)據(jù)庫體系、建立科學(xué)的網(wǎng)絡(luò)銀行準(zhǔn)入制度、完善有關(guān)網(wǎng)絡(luò)銀行的安全立法,以及加強(qiáng)網(wǎng)絡(luò)銀行的行政監(jiān)管等途徑,構(gòu)建有效的網(wǎng)絡(luò)銀行運(yùn)行法律風(fēng)險(xiǎn)防范機(jī)制等方面進(jìn)行完善,以促進(jìn)網(wǎng)絡(luò)銀行的健康發(fā)展。
[Abstract]:Internet bank has the characteristics of low cost, high efficiency and individuation of service, which is not only the advantage of traditional commercial bank, but also the advantage of traditional commercial bank.It also leads to many operational risks, including credit risk, the risk of too strict market access, the risk of the absence of safety laws, and the backwardness of administrative regulatory functions.The existence of these risks not only directly leads to the network banks and their customers' legitimate rights and interests can not be effectively protected, but also has a very serious harm to their healthy development.Therefore, we can establish a unified credit record database system based on big data's technology, establish a scientific access system for network banks, improve the security legislation related to network banks, and strengthen the administrative supervision of network banks.In order to promote the healthy development of the network bank, we should build an effective legal risk prevention mechanism for the operation of the network bank.
【作者單位】： 華北電力大學(xué)人文與社會(huì)科學(xué)學(xué)院;
【分類號(hào)】：D922.281

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