【作者】 刘莹；

【导师】 者贵昌；

【作者基本信息】 云南师范大学 ， 工商管理（专业学位）， 2016， 硕士

【摘要】 在经济飞速发展的21世纪,社会在不断的进步与发展中,计算机技术也在不断的普及,在今天已经被人所熟知的计算机技术和网络技术已称为这个时代重要的标志,随着计算机网络技术的发展,越来越多的网络业务被拓展开来,特别是网络银行的普及与发展,为世界金融业务的发展与创新提供了广阔的发展空间。在时代潮流的推动下,我国网络银行的发展也进入了新的天地,现在越来越多的银行在网络银行业务中投入更多的精力。虽然我国网络银行业务的起步较晚,但是这也给我国的网络银行发展提供了更加广阔的前景,相比于其他国家网络银行业务的发展具有更大的优势。机遇是与风险并存的,网路银行业务是发展的机遇,同样在发展业务的同时,新的风险也随之暴露,网路银行业务不仅面临着传统银行业务带来的风险,还要面临着网络带来的风险。在发展与实践中,网络银行风险监管已经成为发展网络银行业务必须要完善的监管内容。虽然我国银行业务监督管理委员会已经加强了对网络银行的监管力度,但是其监管程度还是跟不上网络银行的发展速度,这是我国现阶段网银的实际情况。现阶段监管委的工作重点主要放在市场准入这一方面,但是监督模式还是沿用传统的管理模式,没有形成完善的网银监理监管体系,在法律方面也没有成型的法律来对网银业务进行监管。现有的监管制度尚不能对网银的认证经营进行有效的监管,远远不能跟上我国网银业务的发展脚步。在这样的前提下,本文找出网银业务的监管难点,并结合其他国家对网络银行的管理经验,对我国的监管模式、层次及内容用自己观点进行分析,写下了属于自己的想法。同时本文也对网络银行监管与传统银行监管的难点进行了分析,给出了对监管内容的选择。最终得出了自己的结论:要想我国网络银行业务进入新的发展阶段,得先解决制约其发展的监管体系不完善、法律法规的缺乏、技术落后等问题。本研究主要是为了对我国网络银行的风险管理问题进行研究,论文对于我国完善网络银行的监管有一定的借鉴作用。更多还原

【Abstract】 The development of the network,the progress of the technology of the network bank business innovation in our country,brought a broad space for development.Under the new financial boom,China’s network bank obtained the new development opportunities,more and more committed to the development of the network bank business.Although the development of the network bank in our country lags behind the developed international or regional,but it also indicates the network bank in our country exist the bigger development opportunities.But opportunities at the same time accompanied by risk,of the virtuality of the network bank is the important source of network bank risk,the network bank not only need to deal with the risks of traditional Banks need to face,and at the same time also face the network brings more risk.In theory and practice,the risk of network bank supervision has become the important content of the network bank supervision.From the actual situation,our country the network bank supervision and the development of the network bank rate are not consistent.At present China banking regulatory commission to supervise and manage the network bank business and focus on market access regulation,supervision mode basic use institutional regulation and traditional business management pattern,in general has not yet been formed to adapt to the characteristics and development of the network bank supervision system,lack of effective development guarantee online banking legal framework,the bank on the net of the certification(CA)operation and management system and the mechanism of the internal control key,all the existing regulatory system and the measure does not adapt to the development of online banking.In view of the above regulatory difficulties,and connecting with the international Internet banking supervision experience,this article on China’s Internet banking regulations,supervision level,regulatory content to make a choice.Also highlighted the network bank regulation compared with the traditional banking supervision under the difficulty,such as in the outsourcing risk aversion and deal with problems in the operation.In choosing the content of the regulation,using the transaction cost theory is launched in China at present stage is more appropriate in the form of branch network bank.Eventually we should be awake to realize,however,the social credit system underdeveloped,imperfect laws and regulations,and the Banks aren’t open decision-making mechanism,technical problems more is the bottleneck restricting the development of China’s network bank.To thoroughly solve the problems that exist in the network bank supervision in China,really perfect regulation system,still need to continue to work hard in these fields.更多还原