网络金融风险中英文对照外文翻译文献
网络金融风险中英文对照外文翻译文献(文档含英文原文和中文翻译)
原文：
How to guard against financial risks network
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 th永远的英文
e concept of network finance their mode of operation also includes matching network of financial institutions, networks and related financial markets, regulatory and other external environment. Including: e-money, online banking, online payment, network curity and network insurance.
Second, the network of financial risk
中英文在线互译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 rateskid row
risk, currency risk and market risk, from a technical, business and legal perspective, There are the following specific risks:swingers
1. Technology riskit is too late
(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 onl
ine 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.26个字母大小写
(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 relatively backward 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 risk 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
野餐的英文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
口译英语
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
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regulations, including consumer protection laws, financial disclosure system, privacy protection, intellectual property protection law and 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.
