网络金融面临的风险及对策

The Network Financial Risks and Countermeasures

网络安全问题越来越引起人们的广泛关注。网络金融由于跟钱财息息相关,风险问题尤为突出。本文将网络金融发展中面临的风险归结为技术风险与业务风险两大类,而技术风险又包括硬件风险、软件风险、技术操作风险、信息安全风险等,业务风险又包括法律风险、信用与信誉风险、市场风险等。然后对网络金融子领域的风险进行了具体的分析,就金融机构如何加强网络金融风险管理提出了一些对策。

The problem of network security has drawn increasing attention. Network finance is closely related to the money,so the risk is particularly prominent. This paper suggests the risk the network finance faced should be divided into two kinds of technology risk and business risk. Technology risk includes hardware,software risk,operation risk,information security risk,etc. Business risk includes legal risk, credit risk,market risk and so on. Then the risks to the subfield of network finance are analyzed. Finally, this paper puts forward some measures of financial institutions to strengthen risk management of network finance.