【摘要】 近年来,网络银行以其方便、快捷的特性在全球得到了迅速发展。然而,技术革新在为银行带来巨大效益的同时,也给银行带来了新的风险。这些风险在影响银行业稳健运行的同时,也给现有的金融监管体系带来了新的挑战。网络银行是金融服务和高新科技结合的产物,在快速发展满足市场需求的同时,也蕴含着巨大的风险。文章系统分析了网络银行构建的内外部基础,并在此基础上利用因果图分析法分析了网络银行信用风险产生的内外部因素,最后对传统银行授信管理架构进行了改进,提出了适合网络银行的新的授信管理架构。更多还原

【Abstract】 In recent years,the internet banking has developed rapidly with its convenient and fast service in the world.However,while the technical innovations have brought huge benefits to banks,they have produced new credit risks as well.These risks not only affect banking operation but also bring new challenges to the existing financial supervision system.The rapid development of internet banking financial services and hi-tech product can meet the market demand,but also contain a huge risk.This paper,on the basis of the causality diagram analysis of internet banking credit risk factors,conducted a systematic analysis of the internal control mechanism of internet banks,and proposed a new internet banking management structure of credit evaluation.更多还原