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AbstractDevelopment 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独创性声明本人声明所呈交的学位论文是本人在导师指导下进行的研究工作及取得的研究成果。
据我所知，除了文中特别加以标注和致谢的地方外，论文中不包含其他人已经发表或撰写过的研究成果，也不包含为获得电子科技大学或其它教育机构的学位或证书而使用过的材料。
与我一同工作的同志对本研究所做的任何贡献均已在论文中作了明确的说明并表示谢意。
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(保密的学位论文在解密后应遵守此规定）签名：巧U知导师签名：v-^J日期：<年r月第一章网络金融风险的种类及成因与传统的金融分类相对应，网络金融一般被人们分成三类：网上银行（网络银行）、网上证券、网上保险。
不可否认，网上银行在网络金融中处于举足轻重的地位。
同时，网上银行与两上证券及网上保险的風险具有很大程度的类似性。
基于上述两点，我们;从网上银行出发来讨论网络金融的风险。
1.1网络金敦的风_类网络银行是一把“取刃剑”，在给银行业的发展带来空前机遇、给客户带来方便和快捷的同时，又给银行业和客户带来空前的负面效应。
它使自己处于“开放，，和“虚拟"的状态，任何人都可以任何身份进行访问，这就使网络银行的两险不仅比传统银行的風险更大,而且述面临着两络安全的考验。
因此，网络银行的风险既包括银行业务方面的风险，如操作风险、市场选择风险、信誉凤险和法律风险等，而且还包括网络技术与信息安全方面的各种风险。
1.1.1两络银行的一般风险包括网络银行在内的商业银行在经营过程中都存在着流动性风险、贷款风险、市场风险和利率与汇率风险等一般风险。