摘要
网上银行的产生和发展,优化了银行的经营方式,大大提高了银行的服务效率和功能。同时,由于银行业务的虚拟化,使网上银行风险更具复杂性和蔓延性。我国网上银行发展应督促金融机构加强内部控制职能,对网上银行实施市场准入监管,大力发展先进的、具有自主知识产权的信息技术,加强网络银行与国际金融机构协调与合作,加快立法工作,强化对银行监管人员和商业银行从业人员的培训等策略。
The generation and development of the internet bank have optimized the managing methods of bank and greatly improved its service effect and function. But in the meantime, the risk of the internet bank is more complicated and extended because of the virtual bank business. To develop our internet bank, we should take some measures, such as reinforcing the financial institutions to enhance their internal control function; supervising the market access of internet bank; developing advanced information technology which have autonomous intellectual property rights; enforcing the corporation and coordination between the internet banks and the international financial institutions; speeding up the steps of law making; strengthening the training of banking supervisors and clerks of commercial bank and so on.
出处
《韩山师范学院学报》
2006年第1期93-96,共4页
Journal of Hanshan Normal University
关键词
网上银行
新风险
监管
internet bank
new risk
supervise
