中国金融电子化的发展及风险防范研究

中国金融电子化的发展及风险防范研究摘要随着计算机技术与通信技术的飞速发展，促进了金融行业的电子化，金融电子化已经成为如今金融发展的关键，也是我国金融行业的必然选择。本文就是在新形势下分析如何开展金融电子化的科学管理，促进金融电子化的健康发展与进步具有重要意义。本文主要是根据我国金融电子化发展的现状开展分析，了解今后金融电子化发展的趋势，分析金融电子化存在的相关风险，提出了科学监管的制度规范。根据本文的研究，我国金融电子化呈现出多种的发展模式，电子支付系统逐步现代化、数据集中化以及电子银行的应用等。在推进金融业务规模变革的情况下，提出战略风险与操作的风险，目前法律的风险已经出现比较大的变化，金融风险自身的来源、结构以及复杂的程度等都出现了新的变化，传统监管在原则层面并不适合于金融行业的发展需求，监管体系需要转化为多种监管模式的综合运用，金融监管的具体内容也需要更加的包容。构建金融电子化监管体系，电子商务运营体系，可以为我国金融电子化的发展提供良好的社会环境，促进金融行业健康进步，同时还可以降低其中的风险，促进金融安全发展以及金融效率的大幅度提升。关键词：金融电子化；金融风险；金融监管-I-Research on the Development and Risk Prevention of FinancialElectronization in ChinaAbstractWith the rapid development of computer technology and communication technology,it has promoted the electronicization of the financial industry.Financial electronicizationhas become the key to today's financial development,and it is also an inevitable choice formy country's financial industry.This article is to analyze how to carry out the scientificsupervision of financial electronization under the new situation,and lay a good road forpromoting the healthy development of financial electronization.This paper is mainly based on the development status of my country's financialelectronic,analyzes the future development trend of financial electronic,analyzes theactual impact and challenges of financial electronic on financial risks,etc.,and proposesinstitutional norms for scientific supervision.According to the research,my country'sfinancial electronization presents a variety of trends,such as the modernization ofelectronic payment systems,the centralization of data,and the application of electronicbanking.In the case of promoting the scale reform of financial business,strategic risks andoperational risks have been proposed.At present,the legal risks have undergone relativelylarge changes,and the source,structure and complexity of financial risks themselves haveundergone new changes.Traditional supervision At the level of principle,it is not suitablefor the development needs of the financial industry.The regulatory system needs to betransformed into a comprehensive situation of multiple regulatory models,while thetraditional regulatory methods have expired,and the specific content of financial regulationhas become more inclusive.Based on the construction of financial electronic supervisionsystem,e-commerce operation system and support system,etc.,it can provide a scientificexternal environment for the development of financial electronic in my country,promotethe orderly development of the financial industry,and gradually reduce financial risks.Thegradual improvement of safety and efficiency.Key Words:financial electronic;financial risk;financial supervisionII-目录摘要---....IAbstract…一、绪论1(一)研究背景.(二)研究目的与意义.…(三)研究思路与研究内容……2(四)研究方法与拟创新之处.2二、理论基础与文献综述…(一)理论基础..4(二)文献综述…4三、金融电子化概述(一)什么是金融电子化…6(二)金融电子化下的银行业务(三)金融电子化下的电子支付.7四、我国金融电子化的发展……9(一)改革开放初期的发展…9(二)80年代-90年代初的发展.9(三)90年代中-90年代末的发展.9(四)2000年-至今的发展.9五、我国金融电子化的风险…10(一)技术战略方面…10（二)人才方面.10(三)法律方面.11(四)安全方面11六、我国金融电子化的风险防范措施.12(