中国金融电子化的发展及风险防范研究ResearchontheDevelopmentandRiskPreventionofFinancialElectronizationinChina摘要随着计算机技术与通信技术的飞速发展，促进了金融行业的电子化，金融电子化已经成为如今金融发展的关键，也是我国金融行业的必然选择。本文就是在新形势下分析如何开展金融电子化的科学管理，促进金融电子化的健康发展与进步具有重要意义。本文主要是根据我国金融电子化发展的现状开展分析，了解今后金融电子化发展的趋势，分析金融电子化存在的相关风险，提出了科学监管的制度规范。根据本文的研究，我国金融电子化呈现出多种的发展模式，电子支付系统逐步现代化、数据集中化以及电子银行的应用等。在推进金融业务规模变革的情况下，提出战略风险与操作的风险，目前法律的风险已经出现比较大的变化，金融风险自身的来源、结构以及复杂的程度等都出现了新的变化，传统监管在原则层面并不适合于金融行业的发展需求，监管体系需要转化为多种监管模式的综合运用，金融监管的具体内容也需要更加的包容。构建金融电子化监管体系，电子商务运营体系，可以为我国金融电子化的发展提供良好的社会环境，促进金融行业健康进步，同时还可以降低其中的风险，促进金融安全发展以及金融效率的大幅度提升。关键词：金融电子化；金融风险；金融监管ResearchontheDevelopmentandRiskPreventionofFinancialElectronizationinChinaAbstractWiththerapiddevelopmentofcomputertechnologyandcommunicationtechnology,ithaspromotedtheelectronicizationofthefinancialindustry.Financialelectronicizationhasbecomethekeytotoday'sfinancialdevelopment,anditisalsoaninevitablechoiceformycountry'sfinancialindustry.Thisarticleistoanalyzehowtocarryoutthescientificsupervisionoffinancialelectronizationunderthenewsituation,andlayagoodroadforpromotingthehealthydevelopmentoffinancialelectronization.Thispaperismainlybasedonthedevelopmentstatusofmycountry'sfinancialelectronic,analyzesthefuturedevelopmenttrendoffinancialelectronic,analyzestheactualimpactandchallengesoffinancialelectroniconfinancialrisks,etc.,andproposesinstitutionalnormsforscientificsupervision.Accordingtotheresearch,mycountry'sfinancialelectronizationpresentsavarietyoftrends,suchasthemodernizationofelectronicpaymentsystems,thecentralizationofdata,andtheapplicationofelectronicbanking.Inthecaseofpromotingthescalereformoffinancialbusiness,strategicrisksandoperationalriskshavebeenproposed.Atpresent,thelegalriskshaveundergonerelativelylargechanges,andthesource,structureandcomplexityoffinancialrisksthemselveshaveundergonenewchanges.TraditionalsupervisionAtthelevelofprinciple,itisnotsuitableforthedevelopmentneedsofthefinancialindustry.Theregulatorysystemneedstobetransformedintoacomprehensivesituationofmultipleregulatorymodels,whilethetraditionalregulatorymethodshaveexpired,andthespecificcontentoffinancialregulationhasbecomemoreinclusive.Basedontheconstructionoffinancialelectronicsupervisionsystem,e-commerceoperationsystemandsupportsystem,etc.,itcanprovideascientificexternalenvironmentforthedevelopmentoffinancialelectronicinmycountry,promotetheorderlydevelopmentofthefinancialindustry,andgraduallyreducefinancialrisks.Thegradualimprovementofsafetyandefficiency.KeyWords：financialelectronic;financialrisk;financialsupervision目录摘要.....................................................................................................................................IAbstract..................................................................................................................................II一、绪论.............................................
