澳门电子银行发展的现状与风险管理

最近几年,随着互联网、固定电话、移动电话等通讯设备在澳门的快速完善,澳门银行业积极发展电子银行业务。为了对这种新的银行业务形式进行有效的风险控制,澳门金融管理局于2008年出台了《电子银行风险管理指导原则》,对澳门电子银行监管的主要风险及其监管原则、程序、措施作了详尽的规定。澳门电子银行监管的最新发展可为其他国家或地区电子银行的监管带来有益的启示。

In recent years, with the rapid improvement of communication equipments including Internet, fixed telephone lines and mobile telephones in Macao, the electronic banking services have been actively developed in Macao banking industry. In order to control risk of the new kind of banking business effectively, the Monetary Authority of Macao （AMCM） unveils Guideline on Risk Management of Electronic Banking in 2008, in which the main risks of electronic banking, risk management principles, procedures and measures are explained in detail. The latest development of regulation in Macao electronic banking could supply useful implications to regulation in electronic banking of other countries or regions.