网络金融风险及其监管探析

V 776951

分类号_ UDC 把

学位论文

网络金融雕及其监管探析

(题名和副题名）

邓宾劲

(作者姓名）教授

电子鄉大学 ___ 成都 申请专业学位级别硕专业名称

论文提交曰期2005.4论文答辩日期…电子科技大学

答辩委员会主席_ 评阅人_

2005年4月 日 注〗：注明《国陈十进分类法UDC 》的类号。

密级 申小蓉

指导教师姓名

职称、 行政管理

学位授予单位和日期

Abstract

Development of e-finance is a profound revolution in the history of finance around the world’ which is a trend as well It is necessary for me to realize the change of e-finance wholly, in order that I can always fallow the trend. After that I know the kind of risk, the character and bad effects of risk. It is the main backgraund and reason for such essay.

The paper, about 30,000 characters^ is divided into three j^rts. The first part is mainly about the backgroimd and reason of e-finance risk. Being compamd with traditional finance, e-finance includes three kinds, e banking, e-bond and e-insiirance. Among wWch, e-bank plays an utterly important role, and the risk of three operation have a gre^t many commons as well. So, I focus on e-bank, and flien expand to the whole e-finance- In this part, it analyses the kind of c-financmg risk basically, and explains the reason of risk greatly so that it lays the ground for the admiBistration. The second port is about the administration of e-finance. The admiBistradve gist and models of e-finance differs from that of toditional fimnce due to different operational mechanism and environment For e-finance, the importance of outer has been over than failure of market for the sake of information asymmetry，which is chief reason for taking administration on e-fisance. Meanwhile, there al節exist some problems needing to resolve. And many changes turn up in the administration because the risk of e-finance is different from that of traditional finance. The third part is about the administration of e-finance by baiddng committee,

In June of 1996，the Bank of China took the lead in establishing websites in China (except in Hong Kong area), raising the curtain of our bankiixg,s offering of e-faank services. Compared with banking in United States, which presented e-banking in October, 1995，it seems that we did not fall behind. However, becaiise of our weak base’ compared with those developed countries in Euro-American areas, our developing speed still seems rather low. Similar to the development of e-banks, the supervision of e-baris has been in a searching stage, without constructing a complete system and framework. Objectively speakiug, to develop e-baixfcs means a good opportunity for our Chinese banks to achieve "leaping mode" development, so as to catch up with the high level of those banks in developed coimtries. But whether our banks can 】eap over such a "numeral gap，〜and realize banking refoiraation are a quite arduous task，as well as a huge challenge to the supervised capability of the People，s Baiik of China. As Chinese banks' supervised authority, the People's Bank of China must possess an explicit strategy, lake measures and design a comprehensive framework to supervise e-banks properly.

In a word，combined with the comprehension in going in for the operation management of commercial banking for a long time, the author applies specialized theories which h怒 been leamt in graduate stage to tribally probe the risks and supervision of e-finance, with the purpose of ensuring our e-finance can be developed stably and soundly. However, due to the author's scanty theoretical level and practical experience, there must be quite a few shortcomings or even mistakes. If the defenses experts can criticize and correct them，the author will be gmteful and must go on studying and probing,

K砂 words: internet finance risk, supervirion and maijageiuent