本文選題：風(fēng)險(xiǎn)分析 + 風(fēng)險(xiǎn)監(jiān)管��； 參考：《上海外國語大學(xué)》2012年碩士論文

【摘要】：伴隨著信息網(wǎng)絡(luò)技術(shù)的迅猛發(fā)展和全球經(jīng)濟(jì)一體化的到來,世界上許多國家的銀行業(yè)都在進(jìn)行改革和創(chuàng)新,不斷的創(chuàng)新使得網(wǎng)絡(luò)技術(shù)逐漸和銀行業(yè)務(wù)相結(jié)合,日益成為了世界各國增強(qiáng)市場競爭力的關(guān)鍵力量。在這種情況下,網(wǎng)絡(luò)銀行—一種基于網(wǎng)絡(luò)信息平臺的新型銀行服務(wù)業(yè)務(wù)逐漸產(chǎn)生了,網(wǎng)絡(luò)銀行使得銀行業(yè)務(wù)不再局限于人與人之間面對面的交易,同時(shí),打破了地域和時(shí)空的限制,以其快捷高速的優(yōu)勢實(shí)現(xiàn)了全天候的實(shí)時(shí)服務(wù)。但是網(wǎng)絡(luò)銀行同時(shí)具有了網(wǎng)絡(luò)虛擬化的特性,很容易導(dǎo)致風(fēng)險(xiǎn)的發(fā)生,使得銀行系統(tǒng)面臨著更加嚴(yán)峻的挑戰(zhàn)和困難。 基于上述背景,本文在借鑒了國外網(wǎng)絡(luò)銀行監(jiān)管經(jīng)驗(yàn)的基礎(chǔ)上,對我國網(wǎng)絡(luò)銀行的風(fēng)險(xiǎn)監(jiān)管現(xiàn)狀進(jìn)行了詳細(xì)的分析,提出了構(gòu)建適合我國國情和網(wǎng)絡(luò)銀行發(fā)展的網(wǎng)絡(luò)銀行風(fēng)險(xiǎn)監(jiān)管模式。 本文第一部分是緒論,對本文的選題背景與目的、研究結(jié)構(gòu)與方法以及全文的內(nèi)容與觀點(diǎn)進(jìn)行了簡要概述,提出了我國網(wǎng)絡(luò)銀行風(fēng)險(xiǎn)分析及監(jiān)管模式的研究的現(xiàn)狀和研究意義。 第二部分為我國網(wǎng)絡(luò)銀行以及網(wǎng)絡(luò)銀行風(fēng)險(xiǎn)的相關(guān)概念,主要介紹了網(wǎng)絡(luò)銀行的內(nèi)涵、網(wǎng)絡(luò)銀行風(fēng)險(xiǎn)的涵義、特征、成因、特點(diǎn),并對網(wǎng)絡(luò)銀行風(fēng)險(xiǎn)進(jìn)行了分析。 第三部分為我國網(wǎng)絡(luò)銀行的風(fēng)險(xiǎn)監(jiān)管現(xiàn)狀分析,主要包括網(wǎng)絡(luò)銀行風(fēng)險(xiǎn)監(jiān)管的理論依據(jù)、我國網(wǎng)絡(luò)銀行監(jiān)管的現(xiàn)狀、我國網(wǎng)絡(luò)銀行風(fēng)險(xiǎn)監(jiān)管面臨的主要問題。為論文的后續(xù)工作奠定了基礎(chǔ)。 第四部分為我國網(wǎng)絡(luò)銀行風(fēng)險(xiǎn)監(jiān)管的模式構(gòu)建,是本文的重點(diǎn),在對網(wǎng)絡(luò)銀行模式的概念、以及前文所分析的網(wǎng)絡(luò)銀行面臨的風(fēng)險(xiǎn)問題、特點(diǎn)以及對我國網(wǎng)絡(luò)銀行監(jiān)管現(xiàn)狀的分析基礎(chǔ)上,根據(jù)我國網(wǎng)上銀行的實(shí)際情況,構(gòu)建我國網(wǎng)絡(luò)銀行的風(fēng)險(xiǎn)監(jiān)管體系,在宏觀、中觀、圍觀層面上分析了我國應(yīng)當(dāng)建立的網(wǎng)絡(luò)銀行監(jiān)管體系,并為案例分析做理論依據(jù)。 第五部分是本文的案例分析部分,通過從“四位一體”的角度對工商銀行的監(jiān)督管理制度進(jìn)行分析,最終總結(jié)出工商銀行網(wǎng)絡(luò)監(jiān)管的先進(jìn)策略與措施,為本文第六部分結(jié)論提供科學(xué)的論據(jù)。 第六部分是本文的結(jié)論部分,對全文進(jìn)行總結(jié)并得出結(jié)論,充分認(rèn)識到網(wǎng)絡(luò)銀行的風(fēng)險(xiǎn)監(jiān)管是一個系統(tǒng)的工程,需要大量的后續(xù)研究工作,需要不斷的進(jìn)行探索和創(chuàng)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.
【學(xué)位授予單位】：上海外國語大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.2

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