金融电子化对我国金融监管的挑战与思考

The Challenge of Electronic Finance to Chinese Financial Supervision from

我国金融电子化在经历了后台电子化、前台电子化之后,目前已进入了以网络开发为标志的技术集成化应用阶段。随着商业银行综合业务处理、资金汇兑、银行卡等电子应用系统的建立,金融业的面貌为之一新。但是,人们在享受了金融电子化带来的金融效率的同时,又面临了一个全新的金融监管课题,即如何处理新的金融活动方式与陈旧的金融监管模式的摩擦与冲突。在这一背景下,我国金融监管面临的问题与挑战,促使中央银行必须采取相应对策。

After backstage electronic finance and proscenium electronic finance, Chinese electronic finance has entered into an application stage of technology integration. This is symbolized by network development, with the establishment of electronic application systems including comprehensive business treatment, fund exchange, bank card etc.In commercial banks, financial industry is taking on a new look. However, when China is enjoying financial efficiency brought by electronic finance, it is also facing a brand new financial supervision task. That is how to manage the friction and conflicts between up-to-date financial activity pattern and outdated financial supervision made. This paper analyzes the problem and challenge faced by Chinese financial supervision.