网络金融风险防范外文文献翻译
我的爱人英文(含：英文原文及中文译文)
英文原文漫画书的英文
How to guard against financial risks network Professor
Kristian Behrens
如何撒娇First, the definition of network finance Network Finance is a computer network for the technical support of the financial activities and related activities in general, is a network of information technology and product of the combination of modern finance, but it is not a simple combination of the two, but a financial industry and even all industries An operating mechanism, is the future of enterpri system development. Narrowly understood, refers to the financial network of financial rvice providers bad on the host to the Internet or communications network for the media, through the financial data and business process embedded software platform, ur interface terminal mode of operation of the new financial ; from a broad understanding of the concept of network finance their mode of operation also includes matching network of financial institutions, networks and related financial markets, regulatory a
nd other external environment. Including: e-money, online banking, online payment, network curity and network insurance. Second, the network of financial risk
Network mainly engaged in the financial ttlement of electronic
money and electronic virtual financial rvices, in addition to traditional financial activities which exist in the process of credit risk, liquidity risk, interest rate risk, currency risk and market risk, from a technical, business and legal perspective, There are the following specific risks:
1. Technology risk
(1) hacker attacks. The operation of the network must rely on financial transactions, computer and Internet, all transactions are stored in the computer, the transmission of online information is easy to become a large network of "hacker" attack. In addition, Web access is a form of Internet rvice, is also a network of financial institutions trading and rvices platform, but it depends on TCP / IP protocol, there are many curity vulnerabilities. This gives hackers broke into financial institutions through the network to create the conditions for the system. Hackers only need to u loopholes in the system itlf, "only need to modify a few ttings " you can allow financial institutions to a standstill.
(2) technology lection risk. To carry out financial business networks, they must choo a proven technology solutions to support. Once there is choice, there will be a result of lection for the same mistakes which led to the risk. One possibility is to choo the technology system and client terminal software compatibility due to poor speed of information transmission interruption or reduction, another risk is that of technical alternatives have been eliminated, resulting in relativelyremind是什么意思
essayist>shanghai airlinesbackward technology, the network out of date, leading to enormous technical and Loss of business opportunities. Financial terms of the network, technology choice may lo all of the market failure, or even lo the basis for survival.
2. Business risks.
(1) operational risk. Operational risk from the system reliability, stability and curity caud major defects in the possibility of potential loss may come from the negligence of online financial customers, may also come from the financial curity system network and its products, design flaws and operational errors . Operational risk relates primarily to authorize the u of online financial accounts, the network of financial risk management systems, networks, financial institutions and the exchange of information among customers, true and fal recognition of electronic money. (2) the ris
k of market signals. Market risk is due to signal asymmetric information network of financial institutions led to the face of adver lection and moral hazard arising from business risks. Such as Internet banking customers can not identify the risk level of the Internet at a disadvantage, online customers may u their hidden information and action to make the network to their advantage at the expen of the interests of the decision-making banks and leaving becau of adver public comment on Internet Banking Risk of losing customers and sources of funding risks. (3) credit risk. Reputation risk is
the network of financial institutions can not create good customer relations, can not establish their own good reputation, and thus can not engage in financial business. Once the virtual network of financial institutions to provide financial rvices can not achieve the expected level of the public, or adver reactions in the community, or network curity system of financial institutions have been destroyed to form a network of financial credit risk.
3. Legal risks. The legal risks of financial networks, mainly from two aspects: First, violation of relevant laws, regulations and system requirements, and online transactions failed to comply with the provisions of the relevant rights and obligations. The laws and regulations, including consumer protection laws, financial disclosure system, privacy protection, intellectual property protection law a
abstract是什么意思nd currency system. Second, the lack of network financial law. China Internet Finance still in its infancy, is still quite a lack of appropriate laws and regulations. Therefore, using the Internet to provide or receive financial rvices, signed an economic contract rights and obligations in the face considerable legal risk, vulnerable to undue disputes, not only increa the cost of online financial transactions, and even affect the Development of the financial health of the network.
津巴布韦劫精女Third, improve the network to prevent and control financial risks
Point of the network of financial risks, involving a wide range of
you shut upinterests, it is necessary to perfect legal environment, strengthening access management, a sound regulatory system, adjust the regulatory strategy and other aspects, a multi-pronged, comprehensive treatment.
1. Improve the legal system.
(1) legislative efforts to increa the network of financial, clear the network of financial rights and obligations of relevant subjects.
套餐英文(2) to develop rules of fair trade network. In the identification and validation of digital signatures, tran
sactions prervation of evidence, the transaction and both parties share responsibility for the protection of personal information of consumers to make detailed provisions to ensure transaction curity, digital evidence when disputes ari and transactions in a real and effective personal Privacy.
2. Enhanced market access management.
(1) The status of the technology infrastructure as one of the conditions of market access. Financial rvices applications for operating the network of financial institutions not only a considerable scale of network equipment, but also need to have confirmed the legality of trading partners, to prevent tampering with trading information and prevent information leakage and other aspects of key technologies. (2) to develop rigorous internal control system. Publicity for the network of financial rvices, information disclosure, and system design have institutional arrangements, the establishment of a network of financial
