网络金融风险防范中英文对照外文翻译文献.docx

网络金融风险防范中英文对照外文翻译文献.docx

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网络金融风险防范中英文对照外文翻译文献

（文档含英文原文和中文翻译）

Howtosuardagainstfinancialrisksnetwork

ProfessorKristianBehrens

Thisarticleisanexcerptfromthe"JournalofEconomicGeography,"November20092

First,thedefinitionofnetworkfinance

NetworkFinanceisacomputernetworkforthetechnicalsupportofthefinancialactivitiesandrelatedactivitiesingeneral,isanetworkofinformationtechnologyandproductofthecombinationofmodemfinance,butitisnotasimplecombinationofthetwo,butafinancialindustryandevenallindustriesAnoperatingmechanism,isthefutureofenterprisesystemdevelopment.Narrowlyunderstood,referstothefinancialnetworkoffinancialserviceprovidersbasedonthehosttotheInternetorcommunicationsnetworkforthemedia,throughthefinancialdataandbusinessprocessesembeddedsoftwareplatform,userinterfaceterminalmodeofoperationofthenewfinancial;fromabroadunderstandingoftheconceptofnetworkfinancetheirmodeofoperationalsoincludesmatchingnetworkoffinancialinstitutions,networksandrelatedfinancialmarkets,regulatoryandotherexternalenvironment.Including:

e-money,onlinebanking,onlinepayment,networksecurityandnetworkinsurance.

Second,thenetworkoffinancialrisk

Networkmainlyengagedinthefinancialsettlementofelectronicmoneyandelectronicvirtualfinancialservices,inadditiontotraditionalfinancialactivitieswhichexistintheprocessofcreditrisk,liquidityrisk,interestraterisk,currencyriskandmarketrisk,fromatechnical,businessandlegalperspective,Therearethefollowingspecificrisks:

1. Technologyrisk

（1） hackerattacks.Theoperationofthenetworkmustrelyonfinancialtransactions,computerandInternet,alltransactionsarestoredinthecomputer,thetransmissionofonlineinformationiseasytobecomealargenetworkof"hacker"attack.Inaddition,WebaccessisaformofInternetservice,isalsoanetworkoffinancialinstitutionstradingandservicesplatform,butitdependsonTCP/IPprotocol,therearemanysecurityvulnerabilities.Thisgiveshackersbrokeintofinancialinstitutionsthroughthenetworktocreatetheconditionsforthesystem.Hackersonlyneedtouseloopholesinthesystemitself,"onlyneedtomodifyafewsettings"youcanallowfinancialinstitutionstoastandstill.

（2） technologyselectionrisk.Tocarryoutfinancialbusinessnetworks,theymustchooseaproventechnologysolutionstosupport.Oncethereischoice,therewillbearesultofselectionforthesamemistakeswhichledtotherisk.Onepossibilityistochoosethetechnologysystemandclientterminalsoftwarecompatibilityduetopoorspeedofinformationtransmissioninterruptionorreduction,anotherriskisthatoftechnicalalternativeshavebeeneliminated,resultinginrelativelybackwardtechnology,thenetworkoutofdate,leadingtoenormoustechnicalandLossofbusinessopportunities.Financialtermsofthenetwork,technologychoicemayloseallofthemarketfailure,orevenlosethebasisforsurvival.

2. Businessrisks.

（1） operationalrisk.Operationalriskfromthesystemreliability,stabilityandsecuritycausedmajordefectsinthepossibilityofpotentiallossmaycomefromthenegligenceofonlinefinancialcustomers,mayalsocomefromthefinancialsecuritysystemnetworkanditsproducts,designflawsandoperationalerrors.Operationalriskrelatesprimarilytoauthorizetheuseofonlinefinancialaccounts,thenetworkoffinancialriskmanagementsystems,networks,financialinstitutionsandtheexchangeofinformationamongcustomers,trueandfalserecognitionofelectronicmoney.

（2） theriskofmarketsignals.Marketriskisduetosignalasymmetricinformationnetworkoffinancialinstitutionsledtothefaceofadverseselectionandmoralhazardarisingfrombusinessrisks.SuchasInternetbankingcustomerscannotidentifytheriskleveloftheInternetatadisadvantage,onlinecustomersmayusetheirhiddeninformationandactiontomakethenetworktotheiradvantageattheexpenseoftheinterestsofthedecision-makingbanksandleavingbecauseofadversepubliccommentonInternetBankingRiskoflosingcustomersandsourcesoffundingrisks.

（3） creditrisk.Reputationriskisthenetworkoffinancialinstitutionscannotcreategoodcustomerrelations,cannotestablishtheirowngoodreputation,andthuscannotengageinfinancialbusiness.Oncethevirtualnetworkoffinancialinstitutionstoprovidefinancialservicescannotachievetheexpectedlevelofthepublic,oradversereactionsinthecommunity,ornetworksecuritysystemoffinancialinstitutionshavebeendestroyedtoformanetworkoffinancialcreditrisk.

3. Legalrisks.Thelegalrisksoffinancialnetworks,mainlyfromtwoaspects:

First,violationofrelevantlaws,regulationsandsystemrequirements,andonlinetransactionsfailedtocomplywiththeprovisionsoftherelevantrightsandobligations.Theselawsandregulations,includingconsumerprotectionlaws,financialdisclosuresystem,privacyprotection,intellectualpropertyprotectionlawandcurrencysystem.Second,thelackofnetworkfinanciallaw.ChinaInternetFinancestillinitsinfancy,isstillquitealackofappropriatelawsandregulations.Therefore,usingtheInternettoprovideorreceivefinancialservices,signedaneconomiccontractrightsandobligationsinthefaceconsiderablelegalrisk,vulnerabletounduedisputes,notonlyincreasethecostofonlinefinancialtransactions,andevenaffecttheDevelopmentofthefinancialhealthofthenetwork.

Third,improvethenetworktopreventandcontrolfinancialrisks

Pointofthenetworkoffinancialrisks,involvingawiderangeofinterests,itisnecessarytoperfectlegalenvironment,strengtheningaccessmanagement,asoundregulatorysystem,adjusttheregulatorystrategyandotheraspects,amulti-pronged,comprehensivetreatment.

1. Improvethelegalsystem.

（1） legislativeeffortstoincreasethenetworkoffinancial,clearthenetworkoffinancialrightsandobligationsofrelevantsubjects.

（2） todeveloprulesoffairtradenetwork.Intheidentificationandvalidationofdigitalsignatures,transactionspreservationofevidence,thetransactionandbothpartiesshareresponsibilityfortheprotectionofpersonalinformationofconsumerstomakedetailedprovisionstoensuretransactionsecurity,digitalevidencewhendisputesariseandtransactionsinarealandeffectivepersonalPrivacy.

2. Enhancedmarketaccessmanagement.

（1） Thestatusofthetechnologyinfrastructureasoneoftheconditionsofmarketaccess.Financialservicesapplicationsforoperatingthenetworkoffinancialinstitutionsnotonlyaconsiderablescaleofnetworkequipment,butalsoneedtohaveconfirmedthelegalityoftradingpartners,topreventtamperingwithtradinginformationandpreventinformationleakageandotheraspectsofkeytechnologies.

（2） todeveloprigorousinternalcontrolsystem.Publicityforthenetworkoffinancialservices,informationdisclosure,andsystemdesignhaveinstitutionalarrangements,theestablishmentofanetworkoffinancialinstitutionsoranewbusiness,themusthavesoundriskidentification,identification,management,riskcoveranddisposalprograms.

（3） todevelopandimprovethetypesoftransactionsoperatingprocedures.Applicationstoopenaccountsforcustomers,customerauthorizationstatement,thegeneraldevelopmentoftradingprocedures,rulestopreventillegaltradingandonlinefinancialtransactionsystemagainstcriminalactivities.

（4） theimplementationofthenetworktypeoffinancialbusinessmanagement.Developmentofclassificationstandards,bankingandfinancialservicescapabilitiesandtheabilitytocreditrating,thusavarietyofservicesonthenetworktocarryoutthefinancialrestrictionsandpermits.

3. Improvetheregulatorysystem.

（1） improvethenetworkoffinancialriskmonitoringsystems.Theestablishmentof"national（network）FinancialRiskManagementCommittee."

（2） tostrengthencollaborativesupervision."Committee"ofthememberunitsandotherrelevantregulatoryauthoritiestoshareinformationresourcesamongeachotherandopeninguptheirowninformationdatabase,andregularlyinformedoftheirsupervision,promotejointsupervision,supervisionoffinancialriskstoimprovenetworkaccuracyandtimeliness.

（3） tostrengtheninternationalcooperationinfinancialsupervisionnetwork.Meanwhile,thenetworkwithinternationalcooperationinfinancialsupervisiontostrengthenthenetworkofbankborrowingwayillegaltaxevasion,moneylaunderingandotheracts,thewaytheuseofInternetbankingtransnationalsmuggling,illegalarmstraffickingactivitiessuchasarmsanddrugtrafficking,illegalattackontheuseofInternetbankingothersitesinternetbankhackers,andotherinternationalcriminalactivitiesafullrangeofmonitoring,theformationofthenetworkcaneffectivelyprotectthefinancialhealthoftheglobalnetworkoperationsandisresponsibleforthesupervisionofthefinancialsystem.

4. Adjustthecontrolstrategy.

（1） andimprovethemodernizationleveloffinancialsupervisionnetwork.Inthepractice,weshouldhavecompletecontrolofthenetworkoffinancialinstitutionstoimprovethebusinessoperationofthenetworkcapacityandtheforecastleveloffinancialrisk,andenhancemacro-controlofthesystematicandforward-looking,butalsotostrengthenfinancialsupervisionandstandardizationofnetworkconstruction,improvethenetworkoffinancialsupervisionmodernandscientificlevel.

（2） improvethenetworkoffinancialandnon-siteinspectionofthesitecontentsystem.On-siteinspectionshouldfocusonthetechnicalelementstobechecked.

（3） theestablishmentofmandatory