网络银行的风险监管问题及对策研究-以招商银行为例.docVIP

PAGE PAGE 5 网络银行的风险监管问题及对策研究-以招商银行为例 摘要：随着科技的迅猛发展，互联网逐渐渗透到各个行业，而网络银行正是金融业结合网络信息所诞生的产物。世界上第一家网络银行在1995年美国诞生，以其低成本、高效益、创新性和多样性等特点引起世界各国的注意。网络银行不仅仅是银行与网络的结合，更是为改变传统银行模式做了开篇，也是社会发展的必然结果。近些年来，我国紧跟国际步伐开启了发展网络银行的历程，但由于种种原因使网络银行暴露出一些不足和对应的风险，所以网络银行的风险监管问题成为金融业不可忽视的一个重要研究课题。 本文在描述网络银行的发展历程、网络银行的风险类型和监管体系的同时，运用了数据分析并借鉴国际上的成功经验，结合我国招商银行网络银行的发展现状及其监管的难点和特点，对网络银行的监管体系和政府政策提出了建设性的建议。 关键词：网络银行；风险监管；风险类型；监管体系 Research on the risk supervision of Internet Bank and Its Countermeasures -- Taking China Merchants Bank as an example Abstract：With the rapid development of technology, the Internet has gradually penetrated into various industries, and online banking is a combination of the financial industry and network information. The worlds first online bank was born in the United States in 1995. Low cost, high efficiency, innovation and diversity have attracted the attention of all countries in the world. Online banking is not only a combination of banking and the Internet, but also the beginning of changing the traditional banking model and an inevitable result of social development. In recent years, China has begun to develop online banking at an international pace. However, due to various reasons, online banking has some defects and related risks. Therefore, online banking risk monitoring has become an important research topic in the industry that cannot be ignored. This article introduces the development process of online banking, the types of risks of online banking and the regulatory system, uses data analysis to draw international successful experience, and determines the development status and online supervision of China Merchants Banks online banking. Combining difficulties and features The online banking supervision system and government policies have put forward constructive suggestions. Keywords：Internet Bank；Risk Regulation；Risk Types；Supervision System 目 录 TOC \o 1-3 \h \z \u 28773 第1章 绪 论 1 7892 1.1研究背景和意义 1 25281 1.2 文献综述 2 21120 1.2.1 国内研究 2 540