网络银行的风险及防范

Risks and Preventions of E-banking

现代信息技术,尤其是网络技术在传统银行业的应用,促使网络银行迅猛发展。同传统银行相比,网络银行具有新的特征和功能,降低了金融活动的交易成本,增加了金融服务的内涵,极大地拓展了金融服务的范围和领域。网络经济条件下的金融业不仅面临所有传统的金融风险,同时,还要面对这些新生的风险,网络银行已经成为银行业发展的一大潮流。然而网络银行能否顺畅发展,一个关键问题就是如何对风险进行管理。本文通过分析网络银行所带来的新型风险,结合网络银行的特征,提出了一些网络银行风险管理的措施,建议应该从企业、行业和国家三个方面,对网络银行风险进行共同管理。

Modem infonnation technology, especially the application of network teclmology in traditional banking sector prompted the rapid development of E - banking. Compared with traditional banks, E - banking can low- er the transaction costs, increase the content of the financial services, and greatly expand the financial services scope. Because of the network econemy, w.hat the financial sector faces are not only all the traditional financial risks, at the same time, but also something new. E- banking has become a major trend of banking development. Whether the E- banking can go well, a key issue is how to manage the risks. Through analysis of the new risks brought by E - banking and combining the features of it, the paper gave out some measures on the risk management of E - banking, suggested the risks of E - banking should be managed from three aspects ： the enterprises, the industry, and also the nation.