我国网络银行风险及其管理措施

The Risks and Control Measure of Network Bank in China

网络银行具有超越时空、创新发展快、运作工具有别于传统银行等特点。网络银行能否顺畅发展,一个关键问题是如何防范和控制风险。网络银行的风险主要包括金融风险和业务风险等方面。金融风险所包含的信用风险是网络银行最大的风险,而市场风险对网络银行的冲击也越来越显著。加强我国网络银行的风险管理,主要通过以下措施来实现:(1)强化网络银行的信誉管理,完善社会信用体系;(2)营造良好的市场发展环境,控制市场交易风险;(3)加强银行业务监管,减少银行操作风险。

Network bank has some superior characters like surmounting space and time, quick innovatrion, special operating tools and so on. However,The key for network bank to devolop healthily is to guard against and control the risks. The paper firstly points out the main risks includes financial risks, operation risks and others. Then,it studies those current risks and points out that the credit risk in finacial risk is the hugest risk;the breaks market risk brings plays a more important role;the way risks affect network bank is different from traditional banks. At last, it gives advices that we should reduce network bank risks by strengthening the credit management, creating good credit system, controlling market trade risk and heavily inspecting the operation.