網(wǎng)絡(luò)銀行電子貨幣的風(fēng)險(xiǎn)及防范

電子商務(wù)論文編號(hào):DZ252  論文字?jǐn)?shù):11987.頁(yè)數(shù):18,附開(kāi)題報(bào)告,任務(wù)書,外文翻譯

目  錄

前  言 1
1網(wǎng)絡(luò)銀行概述 2
1.1 網(wǎng)絡(luò)銀行的概念 2
1.2 我國(guó)網(wǎng)絡(luò)銀行發(fā)展現(xiàn)狀 2
2電子貨幣概述 3
2.1電子貨幣的產(chǎn)生與發(fā)展 3
2.2電子貨幣的特點(diǎn)及表現(xiàn)形式 4
2.2.1電子貨幣的定義 4
2.2.2電子貨幣的特點(diǎn) 5
2.2.3電子貨幣的表現(xiàn)形式 5
3網(wǎng)絡(luò)銀行電子貨幣風(fēng)險(xiǎn)概述 6
3.1操作風(fēng)險(xiǎn) 6
3.1.1安全性風(fēng)險(xiǎn) 6
3.1.2系統(tǒng)的設(shè)計(jì)、運(yùn)行與維護(hù)風(fēng)險(xiǎn) 7
3.1.3客戶濫用產(chǎn)品和服務(wù)風(fēng)險(xiǎn) 7
3.2信譽(yù)風(fēng)險(xiǎn) 7
3.3法律風(fēng)險(xiǎn) 7
3.4其他風(fēng)險(xiǎn) 8
4網(wǎng)絡(luò)銀行電子貨幣風(fēng)險(xiǎn)防范對(duì)策 8
4.1建立風(fēng)險(xiǎn)管理機(jī)制 8
4.1.1風(fēng)險(xiǎn)評(píng)估 8
4.1.2風(fēng)險(xiǎn)管理與風(fēng)險(xiǎn)控制 8
4.1.3風(fēng)險(xiǎn)監(jiān)控 9
4.2.采取保證網(wǎng)絡(luò)銀行安全體系的技術(shù)措施 10
4.2.1操作系統(tǒng)及數(shù)據(jù)庫(kù) 10
4.2.2網(wǎng)絡(luò)加密技術(shù) 10
4.2.3網(wǎng)絡(luò)安全訪問(wèn)控制 10
4.2.4身份認(rèn)證 10
4.2.5網(wǎng)絡(luò)入侵檢測(cè)系統(tǒng) 10
4.2.6防病毒技術(shù) 10
4.2.7備份和災(zāi)難恢復(fù) 10
4.3 加強(qiáng)保證網(wǎng)絡(luò)銀行安全的管理措施 11
4.4 完善電子貨幣風(fēng)險(xiǎn)防范法規(guī)條例 11
4.4.1制定電子貨幣管理?xiàng)l例 11
4.4.2防范電子貨幣風(fēng)險(xiǎn)的法律措施 11
結(jié)  論 12
致　謝 13
參考文獻(xiàn) 14

摘  要

 隨著我國(guó)金融體制改革的不斷深化和金融市場(chǎng)競(jìng)爭(zhēng)的日益激烈，商業(yè)銀行加快了電子化步伐，以電子支票、銀行卡、電子現(xiàn)金等為代表的電子貨幣已成為人們經(jīng)濟(jì)生活的重要組成部分，電子商務(wù)、網(wǎng)絡(luò)銀行的出現(xiàn)，更是擴(kuò)大了電子貨幣的應(yīng)用范圍，但隨之而來(lái)的對(duì)電子貨幣風(fēng)險(xiǎn)的防范也顯得越來(lái)越重要，越來(lái)越迫切。  
 網(wǎng)絡(luò)銀行是信息技術(shù)飛速發(fā)展的產(chǎn)物。隨著我國(guó)網(wǎng)絡(luò)用戶的增加及金融服務(wù)的進(jìn)步，我國(guó)的網(wǎng)絡(luò)銀行業(yè)也獲得了快速的發(fā)展。但是，由于各種內(nèi)外部原因，我國(guó)網(wǎng)絡(luò)銀行業(yè)依然處于初級(jí)階段，并且有很多亟需解決的問(wèn)題，如電子貨幣帶來(lái)的風(fēng)險(xiǎn)。本文在對(duì)我國(guó)網(wǎng)絡(luò)銀行發(fā)展歷史及現(xiàn)狀進(jìn)行評(píng)述的同時(shí)，深入分析了其中存在的各種問(wèn)題，并給出了具有針對(duì)性的對(duì)策建議。

關(guān)鍵詞：網(wǎng)絡(luò)銀行，電子貨幣，風(fēng)險(xiǎn)防范

Abstract

 Along with the financial system reform of our country and financial market competitin, commercial bank accelerates electronic pace.Electronic check,banking card and electronic cash have become the important components of life.The electronic business,network banking will enlarge electronic miney scope more, but keeping away from electronic money risk becomes more and more important, more and more urfent.
 E-bank is a product of the rapidly—developing neteconomy and the activity of finance innovation adapted to the needs of E—business development.China's E-bank has gained rapid development with the increase of Internet users in China and progress in financial services. Howeret,our E-bank is still in its infancy and has many urgent promlems as a variety of internal and external reasons. This network of banks in the history of our country and the situation is reviewed at the same time, in-depth analysis of the problems which exist and gives the targeted Suggestions.

Key words:E-bank, electronic money, risk prevention