广发银行电子银行监管存在的问题分析摘要网络发展、科技进步为国内电子银行业务的创新带来较好的发展前景。全新的金融潮流中，国内电子银行得到了良好的发展效果，更多的银行开始专注于电子银行业务。电子银行虚拟性是其风险的关键来源，广发银行不只要解决传统银行需要面承担的现实风险，此外也需要处理网络产生的风险。本文在分析中吸收国外的优秀管理方式，对广发银行电子银行监管业务开展研究，为国内未来的电子银行风险管理分析准备良好基础。关键词：电子银行；电子银行风险；电子银行风险控制AbstractThedevelopmentofnetworkandtheprogressofscienceandtechnologyhavebroughtgoodprospectsfortheinnovationofdomesticelectronicbankingbusiness.Inthenewfinancialtrend,domestice-bankinghasachievedgooddevelopmentresults,morebanksbegantofocusone-bankingbusiness.Thevirtualnatureofe-bankingisthekeysourceofitsrisk.BroadcastingDevelopmentBanknotonlyneedstosolvetherealrisksthattraditionalbanksneedtobear,butalsoneedstodealwiththerisksarisingfromthenetwork.Thispaperabsorbstheexcellentmanagementmethodsofforeigncountriesintheanalysis,andstudiesthesupervisionbusinessofGuangzhouDevelopmentBank'selectronicbanking,soastoprepareagoodfoundationforthefutureriskmanagementanalysisofdomesticelectronicbanking.Keywords:e-banking;e-bankingrisk;e-bankingriskcontrolPreface目录摘要...................................................................................................11绪论................................................................................................31.1研究背景...............................................................................31.2研究目的和意义...................................................................31.3国内外研究现状...................................................................31.3.1国外研究现状..............................................................31.3.2国内研究现状..............................................................31.4研究的方法及内容...............................................................42电子银行监管的相关理论概述.....................................................42.1电子银行概述.......................................................................42.2电子银行发展现状...............................................................52.3网络银行的监管...................................................................53广发银行电子银行监管存在的问题.............................................63.1法律监管体系不健全...........................................................63.2缺乏监管人才.......................................................................73.3信息披露监管不足...............................................................73.4客户权益的保护不够...........................................................83.5电子银行技术存在问题.......................................................84完善广发银行电子银行监管的对策.............................................84.1健全法律监管.......................................................................84.2加大人才培育力度...............................................................94.3加大政府的监管力度...........................................................94.4健全客户权益保护.............................................................104.5加强电子银行技术建设.....................................................10结论....................................................................................
