毕业论文文献翻译-如何防范网络金融风险文献翻译-中英文论文对照翻译

如何防范网络金融风险

Kristian Behrens

This article is an excerpt from the "Journal of Economic Geography, "

November 2009 2

First, the definition of network finance How to guard against financial risks network

Network Finance is a computer network for the technical

support of the financial activities and related activities in

general, is a network of information technology and product of the combination of modern finance, but it is not a simple combination of the two, but a financial industry and even all

industries An operating mechanism, is the future of enterprise system development. Narrowly understood, refers to the financial network of financial service providers based on the

host to the Internet or communications network for the media,

through the financial data and business processes embedded

software platform, user interface terminal mode of operation

of the new financial ; from a broad understanding of the concept of network finance their mode of operation also includes matching network of financial institutions, networks and

related financial markets, regulatory and other external environment. Including: e-money, online banking, online payment, network security and network insurance. Second, the network of financial risk

Network mainly engaged in the financial settlement of electronic money a nd electronic virtual financial services, in addition to traditional financial activities which exist in the process of credit risk, liquidity risk, interest rate risk,

currency risk and market risk, from a technical, business and

legal perspective, There are the following specific risks:

1. Technology risk

(1) hacker attacks. The operation of the network must rely on financial transactions, computer and Internet, all transactions are stored in the computer, the transmission of

online information is easy to become a large network of "hacker" attack. In addition, Web a ccess is a form of Internet service, is also a network of financial institutions trading and services platform, but it depends on TCP / IP protocol, there

are many security vulnerabilities. This gives hackers broke

into financial institutions through the network to create the

conditions for the system. Hackers only need to use loopholes

in the system itself, "only need to modify a few settings " you can allow financial institutions to a standstill.

(2) technology selection risk. To carry out financial business networks, they must choose a proven technology solutions to support. Once there is choice, there will be aresult of selection for the same m istakes which led to the risk. One possibility is to choose the technology system and client

terminal software compatibility due to poor speed of information transmission interruption or reduction, another

risk is that of technical alternatives have been eliminated,

resulting in relatively backward technology, the network out

of date, leading to enormous technical and Loss of business opportunities. Financial terms of the network, technology choice may l ose all of the market failure, or even lose the basis for survival.

2. Business risks.

(1) operational risk. Operational risk from the system

reliability, stability and security caused major defects in the possibility of potential loss may come from the negligence of

online financial customers, may also come from the financial

security system network and its products, design flaws and operational errors . Operational risk relates primarily to