我國網(wǎng)絡(luò)銀行監(jiān)管研究
發(fā)布時間：2018-08-22 15:34
【摘要】：以計算機為基礎(chǔ)的信息技術(shù)革命以及國際互聯(lián)網(wǎng)的廣泛使用與發(fā)展，對金融領(lǐng)域產(chǎn)生了劃時代的影響，誕生了20世紀銀行業(yè)最具震撼力的創(chuàng)新—網(wǎng)絡(luò)銀行。網(wǎng)絡(luò)銀行通過網(wǎng)絡(luò)把眼光瞄向全球，把世界上每個公民都作為自己潛在的客戶去爭取，使金融競爭突破國家界限，成為全球性競爭。網(wǎng)絡(luò)銀行從經(jīng)營方式和管理理念上對傳統(tǒng)銀行業(yè)產(chǎn)生了巨大的沖擊，也對傳統(tǒng)的銀行監(jiān)管帶來了巨大的挑戰(zhàn)。 對我國來說，其自身的管理模式和風(fēng)險管理能力尚存在著大量缺陷，網(wǎng)絡(luò)銀行的快速發(fā)展無疑對我國銀行業(yè)來說是一個嚴峻的挑戰(zhàn)。網(wǎng)絡(luò)銀行風(fēng)險特性可使中國銀行機構(gòu)的風(fēng)險管理能力因為信息安全技術(shù)的專業(yè)化和復(fù)雜性進一步降低，而金融監(jiān)管當局如果不能及時調(diào)整對網(wǎng)絡(luò)銀行的監(jiān)管方式和監(jiān)管內(nèi)容將威脅到金融體系的穩(wěn)健運行�；诖�，本文從網(wǎng)絡(luò)銀行監(jiān)管理論分析出發(fā)，對我國網(wǎng)絡(luò)銀行所面臨的風(fēng)險狀況，我國對網(wǎng)絡(luò)銀行進行監(jiān)管的難點進行探討。筆者通過對網(wǎng)絡(luò)銀行監(jiān)管理論進行研究，介紹了網(wǎng)絡(luò)銀行的產(chǎn)生以及對應(yīng)的銀行監(jiān)管原理和巴塞爾銀行監(jiān)管委員會對網(wǎng)絡(luò)銀行風(fēng)險控制的規(guī)定。對我國網(wǎng)絡(luò)銀行監(jiān)管所面臨的法律、信息安全、業(yè)務(wù)發(fā)展、監(jiān)管體制、和監(jiān)管人才等困難做了詳盡的分析；借鑒國際上相對成熟的美國、歐洲(代表國：英國)和中國香港地區(qū)對網(wǎng)絡(luò)銀行的監(jiān)管經(jīng)驗，通過總結(jié)其監(jiān)管體制和主要特征，得到對我國網(wǎng)絡(luò)銀行進行有效監(jiān)管的啟示；進一步構(gòu)建與我國網(wǎng)絡(luò)銀行發(fā)展相匹配的有效監(jiān)管體系，從調(diào)整監(jiān)管體制、確認監(jiān)管主體、完善監(jiān)管方式和內(nèi)容入手，分析網(wǎng)絡(luò)銀行風(fēng)險內(nèi)涵。重點通過定量與定性相結(jié)合的方法，，對網(wǎng)絡(luò)銀行風(fēng)險進行控制。并在建立有效監(jiān)管模型基礎(chǔ)上指出我國金融監(jiān)管當局對發(fā)展網(wǎng)絡(luò)銀行監(jiān)管需要通過技術(shù)、制度和管理三個層面采取對策，以保證我國網(wǎng)絡(luò)銀行健康、穩(wěn)健的發(fā)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.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2005
【分類號】：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.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2005
【分類號】：F832.1
【引證文獻】
相關(guān)博士學(xué)位論文 前1條
1 王遠均;網(wǎng)絡(luò)銀行管理體制及監(jiān)督制度建設(shè)研究[D];西南財經(jīng)大學(xué);2007年
相關(guān)碩士學(xué)位論文 前1條
1 余t
本文編號：2197536
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