发达国家与我国网络银行风险与监 管的比较分析-comparative analysis of risk and supervision of internet banking between developed countries and china.docx

ABSTRACTWiththedevelopmentofinternettechnology,internetbankingpopularizedquicklyallovertheworld.Recentlybytheoccurreceofinternetbankingcases,guardingagainstthe internetbankingriskshasbecomethekeyworkfortherelevantsupervisoryauthorityandcommercialbanks’riskcontrol.Beginningwiththedefinitionandattributionofinternetbanking,thisarticleanalyzesandcomparesthedifferencebetweeninternetbankingandtraditionalbankingandpoints outtheinfluenceofinternetbankingtowardstraditionalbanks.Afterthat,thedifferencebetweenthosetwoformsinorganization,serviceandetc.hasbeendiscussed.Byforecastingthedevelopmentofinternetbanking,thisarticlebringsforwardandanalyzesthecomingproblemsincommercialbankopeninginternetbankingservicelikesafety, strategy,legalregulations,andrisksinoperation.Then,itdeeplyanalyzespossibleproblemsthatChineseBankmayfaceandprovidecorrespondingriskavoidanceandmanagementmeasuresbyconsideringitsactualriskmanagesituation.Thosemeasures are:theoptimizationoftheorganizationstructureforexistingriskmanagementsystem;suggestionsforoptimizeoperationflowininternetbankingserviceofChineseBank;suggestionsforriskmanagementininternetbankingserviceofChineseBank.The innovationofthisarticleisthatitnotonlyanalyzeriskmanagementoninternetbankingforbothdomesticandforeignbanksonthemacroscopicallylevel,butalso,itdeeplyanalyzeeachaspectofriskmanagementoninternetbankingandprovideitsown point of viewand suggestionsbasedon realcasestudies. This iswithespecially practicalmeaningandpertinencetowardsbanksthatdobusinessonline.Keywords：internetbanking,riskmanagement,research目录摘要..............................................................................................................................IABSTRACT.......................................................................................................................II1绪论..............................................................................................................................11.1选题的背景...............................................