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| 论文编号： | 4441 | |
| 作者编号： | 2220100534 | |
| 上传时间： | 2012/6/9 9:15:13 | |
| 中文题目： | 我国网上银行业务的风险管理研究 | |
| 英文题目： | A Research On the Risks Administration of E-banking in China | |
| 指导老师： | 齐寅峰 | |
| 中文关键字： | 网上银行;风险防范;风险监管 | |
| 英文关键字： | E-banking;Risk control;Risk Supervision | |
| 中文摘要： | 随着信息科技的发展和网络技术的发展，应用的领域越来越广泛，正在逐渐融入到银行系统内，形成了创新型的电子化、虚拟化、智能化的网上银行业务。这种新的银行经营方式，为商业银行拓展业务、增加服务领域、提高服务质量、降低营业成本等方面起到了非常大的促进作用，因此，越来越受到商业银行的认同，并得到了飞速的发展。自美国安全第一网上银行（SFNB）出现至今，网上银行已经历经15年的发展，但网上银行的发展过程一直就不是一帆风顺，如该银行最终被兼并，体现出信息技术的变革不仅为银行带来了巨大的经济效益的同时，还伴随着层出不穷的风险事件出现，制约着网上银行发展，促使网上银行风险管理、控制、监管成为网上银行工作中一项重要的工作。因此，为了有效地控制网上银行的风险，推进网上银行业务的不断创新，促使其未来健康、可持续的发展，有必要对网上银行的风险管理进行深入的研究。本人就是在这样的背景下，通过相关理论研究和笔者的长期工作经验相结合，重点研究分析了我国网上银行风险及对其在监管方面，业务控制、技术控制等方面的情况，先是阐述出网上银行的涵义，介绍风险相关理论，提出网上银行与传统银行业务之间的差异，对风险的类型和特点进行说明，由此引入风险监管和风险控制措施。其中风险监管部分，首先参照国际先进监管经验，再分析我国监管工作的现状和存在的问题，最后提出我国采取的管理措施建议。最后一章重点从业务和技术两个层面对商业银行自身网上银行风险控制提出建议。 | |
| 英文摘要： | With the development of science and technology， particularly in computer and network technology， the e-banking， as mentioned in this paper， has been extensively applied and gradually integrated into the traditional banking business， which is a new type of banking service featured by electronic， intelligence and networking. The new business model has made a significant role in broadening the banking service sector， improving the service quality and reducing the operating costs， which is consistently approved by the banking industry and achieves rapid development. Since the birth of US. SFNB until now， e-banking has made a history of 15 years， however， it didn’t develop smoothly in recent years. The acquisition of SFNB reveals the enormous benefits brought by the technology innovation， and at the same time， new risks are involved in， which constrain the development of e-banking in turn and make risk management and risk control to be a important part in e-banking. Therefore， in order to effectively control the risks of e-banking and promote the healthy development， it is necessary to have a deep research about the e-banking risks control. This paper is evolved in this context， through the combination of relevant theory and the practical experience of the author， it makes an emphasis research and analysis on the e-banking risks and control. First of all， starting from the concept of e-banking， it makes a description of difference， type of risks and features between the e-banking and traditional banking sector. Then it is the part of the risks control. In this part， it starts from the international experience， and makes an analysis on the status of Chinese controlling work. Then according to the existed problem， it makes appropriate comments and suggestions combined with international experience and Chinese national conditions. | |
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