本文關(guān)鍵詞：基于工商銀行的網(wǎng)絡(luò)銀行三維監(jiān)管體制構(gòu)建研究　出處：《西華大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 網(wǎng)絡(luò)銀行 三維監(jiān)管 監(jiān)管主體 監(jiān)管對(duì)象 復(fù)合目標(biāo)體系

【摘要】：伴隨著互聯(lián)網(wǎng)技術(shù)的快速發(fā)展以及市場(chǎng)競(jìng)爭(zhēng)的日益加劇,網(wǎng)絡(luò)銀行應(yīng)運(yùn)而生,近年來(lái),網(wǎng)絡(luò)銀行以其“3A”服務(wù)(Anytime、Anywhere、Anyhow)及成本低等優(yōu)勢(shì)取得了突飛猛進(jìn)的發(fā)展[1]。但是網(wǎng)絡(luò)銀行本身就是一把雙刃劍,給人們帶來(lái)了便利、推動(dòng)了我國(guó)金融信息化建設(shè),也帶來(lái)我國(guó)金融發(fā)展的考驗(yàn)。由于網(wǎng)絡(luò)銀行的虛擬性、無(wú)界性,使得銀行的監(jiān)管方式、監(jiān)管對(duì)象以及監(jiān)管目標(biāo)都發(fā)生了翻天覆地的變化。因此,為了保證我國(guó)金融環(huán)境的穩(wěn)定性、實(shí)現(xiàn)我國(guó)金融信息化建設(shè)、增強(qiáng)我國(guó)國(guó)際金融競(jìng)爭(zhēng)力,必須全面研究我國(guó)的銀行監(jiān)管體系,制定出適合網(wǎng)銀特性的網(wǎng)絡(luò)銀行監(jiān)管體系,提高網(wǎng)銀監(jiān)管的有效性,實(shí)現(xiàn)國(guó)家金融的宏觀調(diào)控。因此,文章在分析了當(dāng)前我國(guó)網(wǎng)絡(luò)銀行的監(jiān)管現(xiàn)狀及存在的問(wèn)題的基礎(chǔ)上,通過(guò)對(duì)各大網(wǎng)絡(luò)銀行國(guó)內(nèi)國(guó)外發(fā)展影響力、交易規(guī)模以及先進(jìn)性等進(jìn)行比較分析,最終選定各方面都頗具代表性的大型國(guó)有股份制商業(yè)銀行——工商銀行網(wǎng)絡(luò)銀行為例,對(duì)網(wǎng)絡(luò)銀行的的監(jiān)管主體、監(jiān)管對(duì)象以及監(jiān)管目標(biāo)進(jìn)行了分析研究。在此基礎(chǔ)上構(gòu)建了切實(shí)可行的“主體一對(duì)象一目標(biāo)”式網(wǎng)絡(luò)銀行三維監(jiān)管體制,并對(duì)該體制的運(yùn)行機(jī)理進(jìn)行了詳細(xì)闡述,以期能給我國(guó)網(wǎng)絡(luò)銀行的監(jiān)管工作提供理論與實(shí)踐的參考。本文主要做了以下工作:首先,介紹了研究背景、意義、研究方法與理念;第二,介紹了與網(wǎng)絡(luò)銀行、銀行監(jiān)管以及網(wǎng)絡(luò)銀行監(jiān)管的相關(guān)理論及前人研究成果;第三,介紹了工商銀行網(wǎng)絡(luò)銀行的監(jiān)管現(xiàn)狀,厘清了當(dāng)前網(wǎng)銀監(jiān)管存在的漏洞;第四,以工商銀行網(wǎng)絡(luò)銀行為例,分析了網(wǎng)絡(luò)銀行監(jiān)管的主體、對(duì)象以及目標(biāo);第五,在前文的理論基礎(chǔ)上,圍繞網(wǎng)絡(luò)銀行的政治、經(jīng)濟(jì)及社會(huì)三重目標(biāo),構(gòu)建了以政治、經(jīng)濟(jì)和道德三者監(jiān)管為主線的網(wǎng)絡(luò)銀行三維監(jiān)管體制,并對(duì)該體制的運(yùn)行機(jī)理進(jìn)行了詳細(xì)闡述,最后通過(guò)理論構(gòu)建與企業(yè)實(shí)踐的擬合度問(wèn)題分析,證實(shí)了本文構(gòu)建的網(wǎng)絡(luò)銀行三維監(jiān)管體制具備現(xiàn)實(shí)匹配性。通過(guò)分析,作者認(rèn)為,要實(shí)現(xiàn)網(wǎng)絡(luò)銀行的有效監(jiān)管,首先要明確界定網(wǎng)絡(luò)銀行監(jiān)管的主體及對(duì)象,厘清網(wǎng)絡(luò)銀行監(jiān)管的目標(biāo);然后將三者結(jié)合,綜合構(gòu)建適合網(wǎng)絡(luò)銀行特性的監(jiān)管體制,通過(guò)有效監(jiān)管,促進(jìn)網(wǎng)絡(luò)銀行健康發(fā)展,增強(qiáng)我國(guó)金融業(yè)的國(guó)際競(jìng)爭(zhēng)力,實(shí)現(xiàn)我國(guó)金融行業(yè)的信息化。
[Abstract]:With the rapid development of Internet technology and the increasing competition in the market, the network bank emerges as the times require, in recent years, the network bank with its "3A" service is any time anywhere. Anyhowand its low cost advantages have made rapid progress. [But the network bank itself is a double-edged sword, has brought the convenience to the people, promoted our country finance information construction, also brought our country finance development test. Therefore, in order to ensure the stability of the financial environment of our country, we can realize the financial information construction of our country. In order to enhance the international financial competitiveness of our country, we must study the banking supervision system of our country comprehensively, formulate the network bank supervision system suitable for the characteristic of net silver, and improve the effectiveness of the supervision of network banking. Therefore, on the basis of analyzing the current situation and existing problems of the supervision of the network banks in China, the article develops its influence on the domestic and foreign countries through the analysis of the current situation of the supervision and control of the national financial system. The scale of the transaction and the advanced nature of the comparative analysis, and finally selected a representative of all aspects of the large state-owned joint-stock commercial bank-ICBC network bank as an example, the main body of the supervision of the network bank. On the basis of this, a feasible "subject-object-target" three-dimension supervision system of network bank is constructed. And the operating mechanism of the system is described in detail, in order to provide a theoretical and practical reference for the supervision of network banks in China. This paper mainly does the following work: first, introduced the research background and significance. Research methods and ideas; Secondly, it introduces the related theories and previous research results of network bank, bank supervision and network bank supervision. Thirdly, it introduces the current situation of the supervision of ICBC network bank, and clarifies the loopholes existing in the current supervision of Internet banking. 4th, taking ICBC as an example, analyzes the main body, object and target of network bank supervision. In 5th, on the basis of the previous theory, and around the triple goals of politics, economy and society, the three-dimension supervision system of network bank is constructed, which takes the supervision of politics, economy and morality as the main line. And the operating mechanism of the system is described in detail, and finally through the theoretical construction and enterprise practice of the fitness analysis. Through the analysis, the author thinks that in order to realize the effective supervision of the network bank, the main body and the object of the supervision of the network bank should be clearly defined. Clarify the objectives of network banking supervision; Then the combination of the three, comprehensive construction of a regulatory system suitable for the characteristics of network banking, through effective supervision to promote the healthy development of network banks, enhance the international competitiveness of our financial industry. To realize the informationization of our financial industry.
【學(xué)位授予單位】：西華大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.2

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