網(wǎng)絡(luò)金融風(fēng)險(xiǎn)及其監(jiān)管探析

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1、分類號(hào)密級(jí)UDC把學(xué)位論文網(wǎng)絡(luò)金融雕及其監(jiān)管探析（題名和副題名）鄧賓勁（作者姓名）指導(dǎo)教師姓名申小蓉職稱、單位名稱及地址）申請(qǐng)專業(yè)學(xué)位級(jí)別碩專業(yè)名稱論文提交曰期2005.4論文答辯日期”學(xué)位授予單位和日期電子科技大學(xué)答辯委員會(huì)主席—評(píng)閱人一2005年4月日注』:注明《國(guó)陳十進(jìn)分類法UDC》的類號(hào)。V776951教授電子鄉(xiāng)大學(xué)行政管理成都網(wǎng)絡(luò)金te風(fēng)險(xiǎn)及其監(jiān)管探析AbstractDevelopmentofe-financeisaprofoundrevolutiminthehistoryoffinancearoundthemrld'^hichisatrendaswellIt

2、isnecessaryformetorealizethechangeofe-finance堿lly,inorderthatIcanalwaysfallcwthetrend?AfterthatIknewthekindofrisk,thecharacterandbadeffectsofrisk.Itisthemainbackgraundandreasonforsuchessay?Thepaper,about30,000charactersAisdividedintothreejArts.Thefirstpartismainlyaboutthebackgroimdandrea

3、sonofe-financerisk.Beingcaipamdwithtraditionalfinance,e-financeincludesthreekinds,ebanking,e-bradande-insiirance.Among諂Veh,e-bankplaysanutterlyimportantrole,andtheriskofthreeoperationhaveagrStmanycannonsaswell.So,Ifocusone-bank,andflienexpandtothe^holee-finance-Inthispart,itanalysestheki

4、ndofc-finanangriskbasically,ande^lainsthereasonofriskgreatlysothatitlaysthegroundfortheadmiBistration?Thesecondportisabouttheadministrationofe-finance.TheadmiBistradvegistandmodelsofe-financediffersfromthatoftoditionalfirnceduetodifferentoperationalmechanismandenvironmentFore-finance,the

5、importanceofouterhasbeenoverthanfa訂ureofmarketforthesakeofinfoimationasynmetry，誕lichischiefreasonfortakingadministrationone-fisance.Meamh訂e,thereal節(jié)existsaneproblemsneedingtoresolve.Andmanychangesturn叩intheadministrationbecausetheriskofe-financeisdifferentfranthatoftraditionalfinance.The

6、thirdpartisabouttheadministrationofe-financebybaiddngconmittee,網(wǎng)絡(luò)金融風(fēng)險(xiǎn)及英監(jiān)管探析InJuneof1996theBankofChinatooktheleadinestablishingwebsitesinChina(exceptinIfongKongarea),raisingthecurtainofourbankiixg,sofferingofe-faankservices.GxnparedwithbankinginIhitedStates,Miichpresentede-bankinginOctobe

7、r,1995?itseemsthatwedidnotfallbehind.Efcwever,becaiiseofourweakbasecomparedwiththosedevelopedcountriesinEuro-Americanareas,ourdevelopingspeedstillseemsratherlew.Sim訂artothedevelofinentofembanks,thesupervisionofe-barishasbeeninasearchingstage,withoutconstructingacompletesy