信息化时代的银行监管问题研究

Study on the Supervision of the Bank in Information Age

电子商务的发展给支付体系的快速发展提供了新的契机, 网上银行正在成为商业银行发展的战略重点。传统的银行概念、银行经营理念和经营模式、银行管理方式以及内部控制机制都将发生根本性的变革。伴随技术创新, 在信息化时代如何防范和化解银行风险已经给中央银行提出了新的课题。因此, 研究信息化时代的银行监管问题迫在眉睫。本文从信息化时代银行的变化入手, 探讨我国银行监管的原则、主要问题与策略。

The development of E-commence offers the payment system a new chance to develop more quickly, E-banking is becoming an important point for the banks. The traditional concept of the bank, management strategy, management pattern and the control mechanism will change thoroughly. With Technology Innovation, it is a new problem for the central bank to prevent and settle out the risk of the banks. So it is crucial to study on the supervision of the bank in information Age. The paper begin with the changes of the bank in Information Age, then discuss the principle, main problem and policy of the supervision for the banks of China.