【作者】 郭海燕；

【导师】 高小红；

【作者基本信息】 武汉大学 ， 金融学， 2004， 硕士

【摘要】 近几年来，金融信息化建设和互联网的普及使中国网络银行得到迅速发展，银行业的电子化、网络化、智能化等特征越来越明显，网络银行以网络技术为手段，突破时空的限制为客户提供方便快捷、多样化的银行服务，并以这种低成本、高收益的特性使得世界各国都将其视为银行业未来发展的方向。2003年，国内最大的商业银行——工商银行网上银行交易额达到19万亿元，网上银行客户接近800万户。网络银行蓬勃发展的势头使得它成为中国银行业新的利润增长点。虽然网络银行仍将与传统的网点经营模式长时间并存，但是已有越来越多的国内银行把网络银行视作未来同业竞争不可缺少的战略制高点。 然而技术革新在为银行带来巨大效益的同时，也给银行带来了各种相关的经营风险，我国的网络银行业同样也面临着传统银行所面临的操作风险、声誉风险、法律风险等，这些风险在影响银行业稳健运行的同时，也对我国现有的监管体系带来巨大的挑战，为此，我们必须深入研究网络银行风险的防范措施，构建出网络银行可持续性发展的监管体系，为我国网络银行的高速发展保驾护航。目前，理论界对网络银行风险及其监管这一新的课题研究讨论还十分缺乏，为了有效控制网络银行的风险，有必要进行深入探索解决网络银行风险与监管问题的途径。为此，本人把网络银行的风险及其监管问题作为自己毕业论文的主题，其目的是与同行一起共同探讨网络银行的风险与监管。 本文结合BCBS规定的风险种类与监管措施，紧紧围绕网络银行的风险及其监管这一主题，进行系统的分析与讨论，总结出网络银行面临的各种风险，提出构建网络银行监管体系的策略。全文共分四章，第一章对网络银行的基本概念进行详细的阐述，系统分析了网络银行产生和发展的原因、特点、属性等，揭示了其发展的必然性，并运用比较手法分析了它对传统银行业带来的影响。第二章重点分析我国国内网络银行的发展现状、特点和存在问题，通过与国外网络银行的比较来深度研究我国网络银行特有属性，并提出我国网络银行的发展趋势。第三章对网络银行在经营中存在的各种风险进行全面与详细的分析。风险主要包括操作风险、声誉风险、法律风险以及其他风险，并归纳这些风险的特点。第四章以网络银行的风险对传统监管体系带来的挑战为基础进行研究分析，指出我国现有监管体系中存在的不足之处，提出构建我国网络银行持续性监管体系的对策。 随着中国加入WTO组织后，中资银行与外资银行之间的竞争将更加激烈，而网络银行在很大程度上成为衡量彼此差距的尺度，因此，深入研究网络银行的风险与监管问题，保证网络银行的健康运行，避免各种风险带来的损失，对我国网络银行的发展有着重要的意义。更多还原

【Abstract】 In recent years, the construction of financial information and the popularity of the internet enable the network bank in China develop rapidly. The banking is increasingly characterized by its computerization, network and network intelligence. Network banking has become the aim of the reform and development of traditional banking, which offers clients quick, convenient and multiple banking service by means of network technology, and its low-cost, high-profit quality makes all countries consider it the orientation of their banking development in the future. In 2003, the biggest domestic commercial bank-the Industrial and Commercial Bank’s volume of trade on the net came to 19 billion, and its network clients amount to 8 million. What network banking increases makes it having a new interest improving to china bank. Though there will be a co-existence of network bank and traditional net-point banking management for a long time, more and more banks in China regard network bank as a commanding height in competition in the same business to talk about the network banking risks and its supervision with the competition.Bring great profits to banking, the innovation of technology also confront banking with various risks. The network banking in China faces the transaction risk, reputation risk and legislate risk as traditional banking does. These risks interfere with the banking operation and make enormous challenge to our existing supervision system. Therefore, we must take advanced study into precautions against the risks for network banking, set-up supervision system suitable for sustainable development, so that we can ensure healthy growth of the network banking. At present, the theoretical study on network banking risks and its supervision system is deficient, and it is quite necessary to study the solutions to these questions. With this background, the writer takes network banking risks and its supervision system as the topic of this thesis.With the genres of the risks and supervising methods defined by BCBS, this thesis makes systematic analysis and discussion on network banking risks and its supervision system, summarizing all kinds of risks network banking faced with, presenting strategies and solutions to constructing supervision system of network banking. The thesis consists of four chapters. The first chapter states the basicconception of network banking in detail, analyzing the causes, characteristics and attributes of network banking, exposing the inevitability of its development, analyzing its influence on traditional banking by comparison and contrast. The second chapter mainly analyzes the current situation, traits and existing problems of the network banking in China, studying the characteristics of the network banking in China by contrasting it to foreign network banking, presenting its developing tendency. The third chapter analyzes all the risks in network banking thoroughly and generalizes the traits of the risks. The forth chapter studies the challenges brought by network banking to traditional supervision system, pointing out the disadvantages in our existing supervision system and presenting solutions to constructing sustainable supervision system of network banking in China.With China joining in WTO, the competition between China banks and foreign banks will be fiercer. Network banking, to a great extent, becomes the criterion of measuring the discrepancy between them. Therefore, it is necessary and important to study the risks network banking faced with, supervision problems, ensure the normal management of network banking and avoid the loss brought by all kinds of risks.更多还原