网络金融风险防范中英文对照外文翻译文献Word格式文档下载.docx

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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,andonlinetransactionsfailedtocomplywith