【作者】 潘攀；

【导师】 龙海明；

【作者基本信息】 湖南大学 ， 金融学， 2005， 硕士

【摘要】 以计算机为基础的信息技术革命以及国际互联网的广泛使用与发展，对金融领域产生了划时代的影响，诞生了20世纪银行业最具震撼力的创新—网络银行。网络银行通过网络把眼光瞄向全球，把世界上每个公民都作为自己潜在的客户去争取，使金融竞争突破国家界限，成为全球性竞争。网络银行从经营方式和管理理念上对传统银行业产生了巨大的冲击，也对传统的银行监管带来了巨大的挑战。 对我国来说，其自身的管理模式和风险管理能力尚存在着大量缺陷，网络银行的快速发展无疑对我国银行业来说是一个严峻的挑战。网络银行风险特性可使中国银行机构的风险管理能力因为信息安全技术的专业化和复杂性进一步降低，而金融监管当局如果不能及时调整对网络银行的监管方式和监管内容将威胁到金融体系的稳健运行。基于此，本文从网络银行监管理论分析出发，对我国网络银行所面临的风险状况，我国对网络银行进行监管的难点进行探讨。笔者通过对网络银行监管理论进行研究，介绍了网络银行的产生以及对应的银行监管原理和巴塞尔银行监管委员会对网络银行风险控制的规定。对我国网络银行监管所面临的法律、信息安全、业务发展、监管体制、和监管人才等困难做了详尽的分析；借鉴国际上相对成熟的美国、欧洲(代表国：英国)和中国香港地区对网络银行的监管经验，通过总结其监管体制和主要特征，得到对我国网络银行进行有效监管的启示；进一步构建与我国网络银行发展相匹配的有效监管体系，从调整监管体制、确认监管主体、完善监管方式和内容入手，分析网络银行风险内涵。重点通过定量与定性相结合的方法，对网络银行风险进行控制。并在建立有效监管模型基础上指出我国金融监管当局对发展网络银行监管需要通过技术、制度和管理三个层面采取对策，以保证我国网络银行健康、稳健的发展。更多还原

【Abstract】 The revolution of information technology based on the computer as well as the wide-spread use of World Wide Web has engendered epoch-making influence in the financial field, and it brought the most convulsive innovation in the banking industry of the 20 century-Internet Banking. The internet banks aim at the whole globe; shoot for everyone in the world as their potential customer. Break through the national limit, they make the financial competition into global competition. The internet banks have brought immense impact to the traditional banking industry; they also have brought huge challenge to the supervision of the traditional banking industry.As to our country, the bank system’s management mode and the risk management ability still remain great disadvantages, undoubtedly, the rapid development of the internet banks is an austere challenge to our banking system. The risky characteristic of the internet banks would make the ability of risk management of the Chinese bank framework recede for the specialization and complicacy of the information security technology. If the authorities of financial supervision fail to adjust the supervising methods and the contents, it will threaten the steady function of the financial system. Based on the above contents, this article started from the analysis of internet banking supervision, discussed the risks that our country’s banks encountered and the difficulties of the banking system supervision. By researching the internet bank supervision theory, It introduced the appearance of the internet bank as well as the corresponding theory of banking supervision, and the Basel Committee on Banking Supervision regulations of the risk control of internet bank. It elaborately analyzed the difficulties that the internet banking supervision faces, such as law, information security, business development, supervision system and supervision person. It referred to the supervision experience of more mature countries, such as USA, European Countries (Britain for example), and the Hong Kong special district which is familiar with our country’s circs, through summarizing the supervising system and the main attributes, it gained the inspiration of effective supervision to the internet banks. To build up the supervising system which is fit for the development of our country’s internet banks, from adjusting the supervising system, affirming the supervising director, consummating the supervising method, it analyzed the connotation of theinternet banks risks. This article emphasized the combination of quantitative and qualitative methods, aimed to control the internet banks risks, and it based on the efficient supervision model, indicated that our country’s financial supervision authorities should adopt countermeasures which are from three aspects of technology, institution and management to insure our country’s internet banks develop healthily and steadily.更多还原