网络银行风险及其金融监管防范

Risks of Internet Banking and Financial Supervision and Precaution

网络银行是金融服务和高新科技结合的产物,在快速发展满足市场需求的同时,也蕴含着巨大的风险。对这种风险的防范,必须通过对国外网络银行风险监管经验和实践借鉴,并在对我国网络银行存在问题进行分析的基础上,建立清晰透明的法律框架,实行国家、行业和企业三层次风险控制,采取切实可行措施,加强监管国际合作。

Internet banking is a product combining financing service with high technology.While in its rapid development to meet the needs of the market, it contains huge risks.With the precautions against such risks, it is mandatory to set up a distinct and transparent law framework, put into practice a three-tier (i.e., state-industry-enterprise) risk control, take practical and feasible measures and intensify international cooperation of supervision on the basis of using the foreign Internet banking risk supervision experiences and practice for reference and analyzing the existent problems of domestic internet banking.